CSS or Helsana in Region 2 of canton Schaffhausen?
In Region 2, Helsana is CHF 278.40 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 491.30 a month, CSS to CHF 514.50. The gap is CHF 278.40 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 Helsana is worth CHF 690.00 more a year. Agrisano
Where they stand in the region
CSS ranks 19 and Helsana ranks 14, 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 588.00 | CHF 578.00 | + 10.00 |
| 500 | CHF 576.40 | CHF 566.40 | + 10.00 |
| 1'000 | CHF 547.20 | CHF 537.20 | + 10.00 |
| 1'500 | CHF 518.00 | CHF 508.00 | + 10.00 |
| 2'000 | CHF 488.90 | CHF 478.90 | + 10.00 |
| 2'500 | CHF 459.70 | CHF 449.70 | + 10.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 514.50 | CHF 491.30 |
| Other model | CHF 523.30 | CHF 491.30 |
| Free choice of doctor | CHF 588.00 | CHF 578.00 |
How they moved in this region
Against 2025, CSS moves by + 9.2 % and Helsana by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.