Helsana or Visana in Region 3 of canton Zurich?
In Region 3, Visana is CHF 25.20 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
Visana comes down to CHF 462.70 a month, Helsana to CHF 464.80. The gap is CHF 25.20 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 Visana is worth CHF 418.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Visana ranks 9, 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 560.00 | CHF 571.10 | − 11.10 |
| 500 | CHF 548.40 | CHF 564.40 | − 16.00 |
| 1'000 | CHF 519.20 | CHF 530.30 | − 11.10 |
| 1'500 | CHF 490.00 | CHF 501.10 | − 11.10 |
| 2'000 | CHF 460.90 | CHF 471.90 | − 11.00 |
| 2'500 | CHF 431.70 | CHF 442.80 | − 11.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Visana |
|---|---|---|
| Family doctor | CHF 464.80 | CHF 502.60 |
| Other model | CHF 476.00 | CHF 502.60 |
| Free choice of doctor | CHF 560.00 | CHF 571.10 |
| HMO practice | — | CHF 462.70 |
How they moved in this region
Against 2025, Helsana moves by + 5.2 % and Visana by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.