CONCORDIA or Mutuel in Region 2 of canton Schaffhausen?
In Region 2, CONCORDIA is CHF 694.80 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
CONCORDIA comes down to CHF 469.60 a month, Mutuel to CHF 527.50. The gap is CHF 694.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to CONCORDIA is worth CHF 429.60 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 7 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 | CONCORDIA | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 539.70 | CHF 599.40 | − 59.70 |
| 500 | CHF 528.10 | CHF 587.90 | − 59.80 |
| 1'000 | CHF 498.90 | CHF 558.90 | − 60.00 |
| 1'500 | CHF 469.70 | CHF 529.40 | − 59.70 |
| 2'000 | CHF 440.60 | CHF 500.40 | − 59.80 |
| 2'500 | CHF 411.40 | CHF 471.40 | − 60.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| Other model | CHF 469.60 | CHF 529.00 |
| HMO practice | CHF 469.60 | CHF 527.50 |
| Family doctor | CHF 477.70 | CHF 545.50 |
| Free choice of doctor | CHF 539.70 | CHF 599.40 |
How they moved in this region
Against 2025, CONCORDIA moves by + 5.2 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.