CSS or Sanitas in Region 2 of canton Schaffhausen?
In Region 2, Sanitas is CHF 361.80 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 484.35 a month, CSS to CHF 514.50. The gap is CHF 361.80 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 Sanitas is worth CHF 606.60 more a year. Agrisano
Where they stand in the region
CSS ranks 19 and Sanitas ranks 10, 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 588.00 | CHF 556.70 | + 31.30 |
| 500 | CHF 576.40 | CHF 545.10 | + 31.30 |
| 1'000 | CHF 547.20 | CHF 515.90 | + 31.30 |
| 1'500 | CHF 518.00 | CHF 486.70 | + 31.30 |
| 2'000 | CHF 488.90 | CHF 457.60 | + 31.30 |
| 2'500 | CHF 459.70 | CHF 428.40 | + 31.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 514.50 | CHF 484.35 |
| Other model | CHF 523.30 | CHF 501.10 |
| Free choice of doctor | CHF 588.00 | CHF 556.70 |
| HMO practice | — | CHF 506.60 |
How they moved in this region
Against 2025, CSS moves by + 9.2 % and Sanitas by + 4.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.