CSS or Visana in Region 1 of canton Schaffhausen?

In Region 1, Visana is CHF 411.60 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

Visana comes down to CHF 500.80 a month, CSS to CHF 535.10. The gap is CHF 411.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to Visana is worth CHF 246.00 more a year. ÖKK

CSS ranks 18 and Visana ranks 6, out of 23 active insurers in this region.

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	Visana	Gap
300	CHF 615.00	CHF 603.30	+ 11.70
500	CHF 603.40	CHF 596.60	+ 6.80
1'000	CHF 574.20	CHF 562.50	+ 11.70
1'500	CHF 545.00	CHF 533.30	+ 11.70
2'000	CHF 515.90	CHF 504.10	+ 11.80
2'500	CHF 486.70	CHF 475.00	+ 11.70

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CSS moves by + 8.1 % and Visana by + 3.5 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.