Assura-Basis or Mutuel in Region 1 of canton Schaffhausen?
In Region 1, Assura-Basis is CHF 758.40 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 492.00 a month, Mutuel to CHF 555.20. 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 ÖKK, at CHF 480.30 a month. Moving there rather than to Assura-Basis is worth CHF 140.40 more a year. ÖKK
Where they stand in the region
Assura-Basis ranks 4 and Mutuel ranks 21, out of 23 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 | Assura-Basis | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 559.00 | CHF 630.90 | − 71.90 |
| 500 | CHF 547.40 | CHF 619.40 | − 72.00 |
| 1'000 | CHF 518.20 | CHF 590.40 | − 72.20 |
| 1'500 | CHF 489.00 | CHF 560.90 | − 71.90 |
| 2'000 | CHF 459.90 | CHF 531.90 | − 72.00 |
| 2'500 | CHF 430.70 | CHF 502.90 | − 72.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | Mutuel |
|---|---|---|
| Family doctor | CHF 492.00 | CHF 574.20 |
| Free choice of doctor | CHF 559.00 | CHF 630.90 |
| HMO practice | — | CHF 555.20 |
| Other model | — | CHF 556.80 |
How they moved in this region
Against 2025, Assura-Basis moves by − 0.1 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.