CSS or Mutuel in Region 1 of canton Schaffhausen?
In Region 1, CSS is CHF 241.20 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
CSS comes down to CHF 535.10 a month, Mutuel to CHF 555.20. The gap is CHF 241.20 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 CSS is worth CHF 657.60 more a year. ÖKK
Where they stand in the region
CSS ranks 18 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 | CSS | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 615.00 | CHF 630.90 | − 15.90 |
| 500 | CHF 603.40 | CHF 619.40 | − 16.00 |
| 1'000 | CHF 574.20 | CHF 590.40 | − 16.20 |
| 1'500 | CHF 545.00 | CHF 560.90 | − 15.90 |
| 2'000 | CHF 515.90 | CHF 531.90 | − 16.00 |
| 2'500 | CHF 486.70 | CHF 502.90 | − 16.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 535.10 | CHF 574.20 |
| Other model | CHF 550.40 | CHF 556.80 |
| Free choice of doctor | CHF 615.00 | CHF 630.90 |
| HMO practice | — | CHF 555.20 |
How they moved in this region
Against 2025, CSS moves by + 8.1 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.