Helsana or Sanitas in Region 1 of canton Zurich?
In Region 1, Sanitas is CHF 10.80 a year cheaper than Helsana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 532.70 a month, Helsana to CHF 533.60. The gap is CHF 10.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Sanitas is worth CHF 180.00 more a year. Atupri
Where they stand in the region
Helsana ranks 7 and Sanitas ranks 6, out of 27 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Helsana | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 643.00 | CHF 619.40 | + 23.60 |
| 500 | CHF 631.40 | CHF 607.80 | + 23.60 |
| 1'000 | CHF 602.20 | CHF 578.60 | + 23.60 |
| 1'500 | CHF 573.00 | CHF 549.40 | + 23.60 |
| 2'000 | CHF 543.90 | CHF 520.30 | + 23.60 |
| 2'500 | CHF 514.70 | CHF 491.10 | + 23.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Family doctor | CHF 533.60 | CHF 538.90 |
| Other model | CHF 540.10 | CHF 532.70 |
| Free choice of doctor | CHF 643.00 | CHF 619.40 |
| HMO practice | — | CHF 563.70 |
How they moved in this region
Against 2025, Helsana moves by + 5.3 % and Sanitas by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.