CSS or Sanitas in Region 1 of canton Schaffhausen?
In Region 1, Sanitas is CHF 148.80 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
Sanitas comes down to CHF 522.70 a month, CSS to CHF 535.10. The gap is CHF 148.80 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 Sanitas is worth CHF 508.80 more a year. ÖKK
Where they stand in the region
CSS ranks 18 and Sanitas ranks 15, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 615.00 | CHF 600.80 | + 14.20 |
| 500 | CHF 603.40 | CHF 589.20 | + 14.20 |
| 1'000 | CHF 574.20 | CHF 560.00 | + 14.20 |
| 1'500 | CHF 545.00 | CHF 530.80 | + 14.20 |
| 2'000 | CHF 515.90 | CHF 501.70 | + 14.20 |
| 2'500 | CHF 486.70 | CHF 472.50 | + 14.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 535.10 | CHF 522.70 |
| Other model | CHF 550.40 | CHF 540.80 |
| Free choice of doctor | CHF 615.00 | CHF 600.80 |
| HMO practice | — | CHF 546.80 |
How they moved in this region
Against 2025, CSS moves by + 8.1 % and Sanitas by + 4.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.