CSS or CONCORDIA in Region 1 of canton Schaffhausen?
In Region 1, CONCORDIA is CHF 393.60 a year cheaper than CSS 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 502.30 a month, CSS to CHF 535.10. The gap is CHF 393.60 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 CONCORDIA is worth CHF 264.00 more a year. ÖKK
Where they stand in the region
CSS ranks 18 and CONCORDIA ranks 7, 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 | CSS | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 615.00 | CHF 577.30 | + 37.70 |
| 500 | CHF 603.40 | CHF 565.70 | + 37.70 |
| 1'000 | CHF 574.20 | CHF 536.50 | + 37.70 |
| 1'500 | CHF 545.00 | CHF 507.30 | + 37.70 |
| 2'000 | CHF 515.90 | CHF 478.20 | + 37.70 |
| 2'500 | CHF 486.70 | CHF 449.00 | + 37.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 535.10 | CHF 511.00 |
| Other model | CHF 550.40 | CHF 502.30 |
| Free choice of doctor | CHF 615.00 | CHF 577.30 |
| HMO practice | — | CHF 502.30 |
How they moved in this region
Against 2025, CSS moves by + 8.1 % and CONCORDIA by + 5.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.