CSS or Mutuel in Region 2 of canton Schaffhausen?
In Region 2, CSS is CHF 156.00 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 514.50 a month, Mutuel to CHF 527.50. The gap is CHF 156.00 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 CSS is worth CHF 968.40 more a year. Agrisano
Where they stand in the region
CSS ranks 19 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 588.00 | CHF 599.40 | − 11.40 |
| 500 | CHF 576.40 | CHF 587.90 | − 11.50 |
| 1'000 | CHF 547.20 | CHF 558.90 | − 11.70 |
| 1'500 | CHF 518.00 | CHF 529.40 | − 11.40 |
| 2'000 | CHF 488.90 | CHF 500.40 | − 11.50 |
| 2'500 | CHF 459.70 | CHF 471.40 | − 11.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 514.50 | CHF 545.50 |
| Other model | CHF 523.30 | CHF 529.00 |
| Free choice of doctor | CHF 588.00 | CHF 599.40 |
| HMO practice | — | CHF 527.50 |
How they moved in this region
Against 2025, CSS moves by + 9.2 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.