If you need to pass array values you can use curly braces (unix shell require quotes):
--set test={x,y,z}
--set "test={x,y,z}"
Result YAML:
test:
- x
- y
- z
Source: https://helm.sh/docs/intro/using_helm/#the-format-and-limitations-of—set
EDITED : added double-quotes for unix shell like bash