Helsana or Sanitas in Region 1 of canton Schaffhausen?
In Region 1, Helsana is CHF 436.80 a year cheaper than Sanitas 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, Sanitas to CHF 522.70. The gap is CHF 436.80 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 Sanitas ranks 15, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 559.00 | CHF 600.80 | − 41.80 |
| 500 | CHF 547.40 | CHF 589.20 | − 41.80 |
| 1'000 | CHF 518.20 | CHF 560.00 | − 41.80 |
| 1'500 | CHF 489.00 | CHF 530.80 | − 41.80 |
| 2'000 | CHF 459.90 | CHF 501.70 | − 41.80 |
| 2'500 | CHF 430.70 | CHF 472.50 | − 41.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Family doctor | CHF 486.30 | CHF 522.70 |
| Other model | CHF 491.90 | CHF 540.80 |
| Free choice of doctor | CHF 559.00 | CHF 600.80 |
| HMO practice | — | CHF 546.80 |
How they moved in this region
Against 2025, Helsana moves by + 3.1 % and Sanitas by + 4.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.