Helsana or Sanitas in Region 3 of canton Zurich?
In Region 3, Sanitas is CHF 160.80 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 451.40 a month, Helsana to CHF 464.80. The gap is CHF 160.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Sanitas is worth CHF 283.20 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Sanitas ranks 4, 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 560.00 | CHF 524.80 | + 35.20 |
| 500 | CHF 548.40 | CHF 513.20 | + 35.20 |
| 1'000 | CHF 519.20 | CHF 484.00 | + 35.20 |
| 1'500 | CHF 490.00 | CHF 454.80 | + 35.20 |
| 2'000 | CHF 460.90 | CHF 425.70 | + 35.20 |
| 2'500 | CHF 431.70 | CHF 396.50 | + 35.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Family doctor | CHF 464.80 | CHF 456.60 |
| Other model | CHF 476.00 | CHF 451.40 |
| Free choice of doctor | CHF 560.00 | CHF 524.80 |
| HMO practice | — | CHF 477.60 |
How they moved in this region
Against 2025, Helsana moves by + 5.2 % and Sanitas by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.