Other model with a CHF 300 deductible in Region 1 of canton Schaffhausen

21 insurers offer a Other model with a CHF 300 deductible in Region 1. The lowest premium is CHF 491.80 a month for an adult, accident cover included.

What this combination earns

Against free choice of doctor at the minimum deductible, whose lowest premium is CHF 552.00, this combination saves CHF 722.40 a year.

Where the saving comes from

The model contributes about CHF 722.40 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.

What the deductible risks

This is the minimum deductible: no extra risk compared with the reference.

The insurers, cheapest to dearest

21 insurers offer this combination in this region, with the trade name of their plan.

Rank	Insurer	Plan name	Premium
1	Aquilana	SMARTMED	CHF 491.80	View
2	Helsana	BeneFit PLUS Telmed	CHF 491.90	View
3	ÖKK	Select	CHF 496.80	View
4	Galenos	Combi Care	CHF 499.90	View
5	Visana	Tel Care	CHF 500.80	View
6	CONCORDIA	smartDoc	CHF 502.30	View
7	KPT	KPTwin.smart	CHF 503.60	View
8	Agrisano	AGRIcontact	CHF 504.30	View
9	Vivao Sympany	FlexHelp 24	CHF 508.90	View
10	EGK	EGK-TelCare	CHF 517.00	View
11	Sumiswalder	Telmed	CHF 521.10	View
12	Atupri	SmartCare	CHF 522.00	View
13	SLKK	SLKK-SmartMed	CHF 530.70	View
14	Philos	PrimaFlex	CHF 538.90	View
15	sana24	Combi Care	CHF 540.60	View
16	Sanitas	TelMed (Compact One)	CHF 540.80	View
17	rhenusana	sanmed24	CHF 542.30	View
18	CSS	Callmed	CHF 550.40	View
19	Mutuel	PrimaFlex	CHF 556.80	View
20	SWICA	FAVORIT TELMED	CHF 565.10	View
21	Avenir	PrimaFlex	CHF 572.10	View

Source: Federal Office of Public Health (FOPH), official premiums. 2026.