Helsana or Visana in Region 3 of canton St. Gallen?
In Region 3, Helsana is CHF 758.40 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 441.80 a month, Visana to CHF 505.00. The gap is CHF 758.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Helsana is worth CHF 482.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 7 and Visana ranks 22, 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 526.00 | CHF 594.10 | − 68.10 |
| 500 | CHF 514.40 | CHF 587.40 | − 73.00 |
| 1'000 | CHF 485.20 | CHF 553.30 | − 68.10 |
| 1'500 | CHF 456.00 | CHF 524.10 | − 68.10 |
| 2'000 | CHF 426.90 | CHF 494.90 | − 68.00 |
| 2'500 | CHF 397.70 | CHF 465.80 | − 68.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Visana |
|---|---|---|
| Family doctor | CHF 441.80 | CHF 511.00 |
| Other model | CHF 462.80 | CHF 511.00 |
| Free choice of doctor | CHF 526.00 | CHF 594.10 |
| HMO practice | — | CHF 505.00 |
How they moved in this region
Against 2025, Helsana moves by + 6.1 % and Visana by + 1.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.