Helsana or Visana in Region 2 of canton St. Gallen?
In Region 2, Helsana is CHF 668.40 a year cheaper than Visana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 458.60 a month, Visana to CHF 514.30. The gap is CHF 668.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to Helsana is worth CHF 468.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Visana ranks 23, out of 25 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 605.70 | − 59.70 |
| 500 | CHF 534.40 | CHF 599.00 | − 64.60 |
| 1'000 | CHF 505.20 | CHF 564.90 | − 59.70 |
| 1'500 | CHF 476.00 | CHF 535.70 | − 59.70 |
| 2'000 | CHF 446.90 | CHF 506.50 | − 59.60 |
| 2'500 | CHF 417.70 | CHF 477.40 | − 59.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Visana |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 521.00 |
| Other model | CHF 480.40 | CHF 521.00 |
| Free choice of doctor | CHF 546.00 | CHF 605.70 |
| HMO practice | — | CHF 514.30 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and Visana by + 1.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.