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Helsana or CONCORDIA in Region 1 of canton Schaffhausen?

In Region 1, Helsana is CHF 192.00 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Helsana comes down to CHF 486.30 a month, CONCORDIA to CHF 502.30. The gap is CHF 192.00 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 Helsana is worth CHF 72.00 more a year. ÖKK

Where they stand in the region

Helsana ranks 2 and CONCORDIA ranks 7, 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.

DeductibleHelsanaCONCORDIAGap
300CHF 559.00CHF 577.30− 18.30
500CHF 547.40CHF 565.70− 18.30
1'000CHF 518.20CHF 536.50− 18.30
1'500CHF 489.00CHF 507.30− 18.30
2'000CHF 459.90CHF 478.20− 18.30
2'500CHF 430.70CHF 449.00− 18.30

Model by model

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

ModelHelsanaCONCORDIA
Family doctorCHF 486.30CHF 511.00
Other modelCHF 491.90CHF 502.30
Free choice of doctorCHF 559.00CHF 577.30
HMO practice—CHF 502.30

How they moved in this region

Against 2025, Helsana moves by + 3.1 % and CONCORDIA by + 5.2 % in this region.

Helsana, CONCORDIA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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