CSS or Helsana in Region 1 of canton Schaffhausen?
In Region 1, Helsana is CHF 585.60 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
Helsana comes down to CHF 486.30 a month, CSS to CHF 535.10. The gap is CHF 585.60 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 Helsana is worth CHF 72.00 more a year. ÖKK
Where they stand in the region
CSS ranks 18 and Helsana ranks 2, 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 | Helsana | Gap |
|---|---|---|---|
| 300 | CHF 615.00 | CHF 559.00 | + 56.00 |
| 500 | CHF 603.40 | CHF 547.40 | + 56.00 |
| 1'000 | CHF 574.20 | CHF 518.20 | + 56.00 |
| 1'500 | CHF 545.00 | CHF 489.00 | + 56.00 |
| 2'000 | CHF 515.90 | CHF 459.90 | + 56.00 |
| 2'500 | CHF 486.70 | CHF 430.70 | + 56.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 535.10 | CHF 486.30 |
| Other model | CHF 550.40 | CHF 491.90 |
| Free choice of doctor | CHF 615.00 | CHF 559.00 |
How they moved in this region
Against 2025, CSS moves by + 8.1 % and Helsana by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.