Helsana or KPT in Region 1 of canton Schaffhausen?

In Region 1, Helsana is CHF 207.60 a year cheaper than KPT 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, KPT to CHF 503.60. The gap is CHF 207.60 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 Helsana is worth CHF 72.00 more a year. ÖKK

Helsana ranks 2 and KPT ranks 8, 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	Helsana	KPT	Gap
300	CHF 559.00	CHF 597.40	− 38.40
500	CHF 547.40	CHF 585.80	− 38.40
1'000	CHF 518.20	CHF 556.60	− 38.40
1'500	CHF 489.00	CHF 527.40	− 38.40
2'000	CHF 459.90	—	—
2'500	CHF 430.70	CHF 469.10	− 38.40

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

Against 2025, Helsana moves by + 3.1 % and KPT by + 1.9 % in this region.

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