Mutuel or EGK in Region 2 of canton Schaffhausen?
In Region 2, EGK is CHF 488.40 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 486.80 a month, Mutuel to CHF 527.50. The gap is CHF 488.40 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 EGK is worth CHF 636.00 more a year. Agrisano
Where they stand in the region
Mutuel ranks 21 and EGK ranks 11, 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 599.40 | CHF 537.80 | + 61.60 |
| 500 | CHF 587.90 | CHF 526.10 | + 61.80 |
| 1'000 | CHF 558.90 | CHF 497.00 | + 61.90 |
| 1'500 | CHF 529.40 | CHF 467.80 | + 61.60 |
| 2'000 | CHF 500.40 | CHF 438.60 | + 61.80 |
| 2'500 | CHF 471.40 | CHF 409.50 | + 61.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| HMO practice | CHF 527.50 | — |
| Other model | CHF 529.00 | CHF 486.80 |
| Family doctor | CHF 545.50 | CHF 500.20 |
| Free choice of doctor | CHF 599.40 | CHF 537.80 |
How they moved in this region
Against 2025, Mutuel moves by + 3.7 % and EGK by + 1.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.