Philos — Region 1 of canton Schaffhausen, 2026 premiums
Philos covers the 2 municipalities of Region 1 in canton Schaffhausen. Its lowest adult premium here is CHF 376.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 17 out of 23 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 519.77 a month.
What staying costs
Moving from Philos to ÖKK, the cheapest insurer in this region, saves CHF 628.80 a year for an adult on the same profile.
The full Philos table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 623.00 | CHF 557.60 | CHF 532.70 | CHF 538.90 |
| 500 | CHF 611.50 | CHF 546.10 | CHF 521.20 | CHF 527.90 |
| 1'000 | CHF 582.50 | CHF 517.10 | CHF 492.20 | CHF 500.40 |
| 1'500 | CHF 553.00 | CHF 487.60 | CHF 462.70 | CHF 472.10 |
| 2'000 | CHF 524.00 | CHF 458.60 | CHF 433.70 | CHF 443.10 |
| 2'500 | CHF 495.00 | CHF 429.60 | CHF 404.70 | CHF 414.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 474.00 | CHF 433.80 | CHF 414.80 | CHF 410.10 |
| 500 | CHF 462.50 | CHF 422.30 | CHF 403.30 | CHF 398.60 |
| 1'000 | CHF 433.50 | CHF 393.30 | CHF 374.30 | CHF 369.60 |
| 1'500 | CHF 404.00 | CHF 363.80 | CHF 344.80 | CHF 340.10 |
| 2'000 | CHF 375.00 | CHF 334.80 | CHF 315.80 | CHF 311.10 |
| 2'500 | CHF 346.00 | CHF 305.80 | CHF 286.80 | CHF 282.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 103.20 | CHF 95.40 | CHF 92.30 | CHF 92.30 |
| 100 | CHF 98.80 | CHF 91.10 | CHF 88.00 | CHF 88.00 |
| 200 | CHF 94.50 | CHF 86.70 | CHF 83.60 | CHF 83.60 |
| 300 | CHF 90.00 | CHF 82.30 | CHF 79.20 | CHF 79.20 |
| 400 | CHF 85.70 | CHF 78.00 | CHF 74.90 | CHF 74.90 |
| 500 | CHF 81.30 | CHF 73.60 | CHF 70.50 | CHF 70.50 |
| 600 | CHF 76.90 | CHF 69.20 | CHF 66.10 | CHF 66.10 |
With or without accident cover
With accident cover: CHF 623.00 a month. Without: CHF 579.40. Dropping it saves CHF 523.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 525.30 in 2025 to CHF 376.40 — a rise of 1.4 %.
The 2 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Schaffhausen, not to the municipality.
The other insurers in Region 1
23 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| ÖKK | CHF 480.30 | View |
| Helsana | CHF 486.30 | View |
| Aquilana | CHF 491.80 | View |
| Assura-Basis | CHF 492.00 | View |
| Galenos | CHF 499.90 | View |
| Visana | CHF 500.80 | View |
| CONCORDIA | CHF 502.30 | View |
| KPT | CHF 503.60 | View |
| Agrisano | CHF 504.30 | View |
| Vivao Sympany | CHF 506.00 | View |
| SWICA | CHF 511.00 | View |
| Atupri | CHF 516.10 | View |
| EGK | CHF 517.00 | View |
| Sumiswalder | CHF 521.10 | View |
| Sanitas | CHF 522.70 | View |
| SLKK | CHF 530.70 | View |
| CSS | CHF 535.10 | View |
| sana24 | CHF 540.60 | View |
| rhenusana | CHF 542.30 | View |
| Mutuel | CHF 555.20 | View |
| Avenir | CHF 568.90 | View |
| vita surselva | CHF 594.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums.