Mutuel in the canton of Schaffhausen — 2026 premiums
Mutuel covers the 26 municipalities of the canton of Schaffhausen. Its lowest adult premium there is CHF 527.50 a month, with a 300-franc deductible and accident cover included.
Where it stands
Mutuel ranks 21 out of 23 active insurers in the canton of Schaffhausen, cheapest to dearest.
The cantonal average across all insurers is CHF 487.92 a month.
What switching would save you
Moving from Mutuel to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 1'124.40 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Schaffhausen
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
The models offered by Mutuel
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| HMO practice — OptiMed | CHF 555.20 |
| Other model — PrimaFlex | CHF 556.80 |
| Family doctor — PrimaCare | CHF 574.20 |
| Free choice of doctor — Grundversicherung | CHF 630.90 |
The twelve years, year by year
Since 2015, the lowest Mutuel premium here has moved by +65.5 %, against +52.9 % for the cheapest insurer in the same place. The twelve years, year by year
Same group, a different price
- In this region Philos belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 320.40 less per year, for cover the law defines word for word the same way. CHF 500.80
- In this region Avenir belongs to the same group — Groupe Mutuel — and costs CHF 87.60 more per year. You are already on the right side. CHF 534.80
Two brands of the same house share reserves and management; their prices do not. Switching inside a group is still a real change of contract: the same cancellation rules apply.
The other insurers in the canton of Schaffhausen
23 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 433.80 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 448.10 | View |
| Assura-Basis SA | CHF 452.60 | View |
| Visana AG | CHF 455.20 | View |
| Aquilana Versicherungen | CHF 459.80 | View |
| KPT Caisse-maladie SA | CHF 469.00 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 469.60 | View |
| SWICA Assurance-maladie SA | CHF 470.30 | View |
| Galenos AG | CHF 470.90 | View |
| Sanitas Grundversicherungen AG | CHF 484.35 | View |
| Helsana Assurances SA | CHF 486.30 | View |
| EGK Grundversicherungen AG | CHF 486.80 | View |
| Sumiswalder Krankenkasse | CHF 487.40 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 488.30 | View |
| Vivao Sympany SA | CHF 498.10 | View |
| sana24 AG | CHF 499.30 | View |
| Philos Assurance Maladie SA | CHF 500.80 | View |
| rhenusana | CHF 504.30 | View |
| CSS Assurance-maladie SA | CHF 514.50 | View |
| Atupri Assurance de la santé SA | CHF 516.10 | View |
| Avenir Assurance Maladie SA | CHF 534.80 | View |
| vita surselva | CHF 564.30 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.