Mutuel or EGK in Region 1 of canton Schaffhausen?
In Region 1, EGK is CHF 458.40 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
EGK comes down to CHF 517.00 a month, Mutuel to CHF 555.20. The gap is CHF 458.40 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 EGK is worth CHF 440.40 more a year. ÖKK
Where they stand in the region
Mutuel ranks 21 and EGK ranks 13, 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 | Mutuel | EGK | Gap |
|---|---|---|---|
| 300 | CHF 630.90 | CHF 577.60 | + 53.30 |
| 500 | CHF 619.40 | CHF 566.00 | + 53.40 |
| 1'000 | CHF 590.40 | CHF 536.80 | + 53.60 |
| 1'500 | CHF 560.90 | CHF 507.60 | + 53.30 |
| 2'000 | CHF 531.90 | CHF 478.50 | + 53.40 |
| 2'500 | CHF 502.90 | CHF 449.30 | + 53.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| HMO practice | CHF 555.20 | — |
| Other model | CHF 556.80 | CHF 517.00 |
| Family doctor | CHF 574.20 | CHF 534.30 |
| Free choice of doctor | CHF 630.90 | CHF 577.60 |
How they moved in this region
Against 2025, Mutuel moves by + 3.7 % and EGK by + 0.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.