Helsana or CONCORDIA in Region 2 of canton Schaffhausen?
In Region 2, CONCORDIA is CHF 260.40 a year cheaper than Helsana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 469.60 a month, Helsana to CHF 491.30. The gap is CHF 260.40 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 CONCORDIA is worth CHF 429.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 14 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.
| Deductible | Helsana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 578.00 | CHF 539.70 | + 38.30 |
| 500 | CHF 566.40 | CHF 528.10 | + 38.30 |
| 1'000 | CHF 537.20 | CHF 498.90 | + 38.30 |
| 1'500 | CHF 508.00 | CHF 469.70 | + 38.30 |
| 2'000 | CHF 478.90 | CHF 440.60 | + 38.30 |
| 2'500 | CHF 449.70 | CHF 411.40 | + 38.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 491.30 | CHF 469.60 |
| Family doctor | CHF 491.30 | CHF 477.70 |
| Free choice of doctor | CHF 578.00 | CHF 539.70 |
| HMO practice | — | CHF 469.60 |
How they moved in this region
Against 2025, Helsana moves by + 5.7 % and CONCORDIA by + 5.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.