Philos — Region 2 of canton Schaffhausen, 2026 premiums
Philos covers the 24 municipalities of Region 2 in canton Schaffhausen. Its lowest adult premium here is CHF 346.70 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 2, cheapest to dearest.
The regional average across insurers is CHF 488.14 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 804.00 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 585.70 | CHF 524.20 | CHF 500.80 | CHF 506.60 |
| 500 | CHF 574.20 | CHF 512.70 | CHF 489.30 | CHF 495.60 |
| 1'000 | CHF 545.20 | CHF 483.70 | CHF 460.30 | CHF 468.10 |
| 1'500 | CHF 515.70 | CHF 454.20 | CHF 430.80 | CHF 439.50 |
| 2'000 | CHF 486.70 | CHF 425.20 | CHF 401.80 | CHF 410.50 |
| 2'500 | CHF 457.70 | CHF 396.20 | CHF 372.80 | CHF 381.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 445.60 | CHF 407.70 | CHF 389.90 | CHF 385.50 |
| 500 | CHF 434.10 | CHF 396.20 | CHF 378.40 | CHF 374.00 |
| 1'000 | CHF 405.10 | CHF 367.20 | CHF 349.40 | CHF 345.00 |
| 1'500 | CHF 375.60 | CHF 337.70 | CHF 319.90 | CHF 315.50 |
| 2'000 | CHF 346.60 | CHF 308.70 | CHF 290.90 | CHF 286.50 |
| 2'500 | CHF 317.60 | CHF 279.70 | CHF 261.90 | CHF 257.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 97.00 | CHF 89.70 | CHF 86.80 | CHF 86.80 |
| 100 | CHF 92.60 | CHF 85.40 | CHF 82.50 | CHF 82.50 |
| 200 | CHF 88.30 | CHF 81.00 | CHF 78.10 | CHF 78.10 |
| 300 | CHF 83.90 | CHF 76.60 | CHF 73.70 | CHF 73.70 |
| 400 | CHF 79.50 | CHF 72.20 | CHF 69.30 | CHF 69.30 |
| 500 | CHF 75.20 | CHF 67.90 | CHF 65.00 | CHF 65.00 |
| 600 | CHF 70.70 | CHF 63.50 | CHF 60.60 | CHF 60.60 |
With or without accident cover
With accident cover: CHF 585.70 a month. Without: CHF 544.70. Dropping it saves CHF 492.00 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 493.80 in 2025 to CHF 346.70 — a rise of 1.4 %.
The 24 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Schaffhausen, not to the municipality.
Bargen (SH) · Beggingen · Beringen · Buch (SH) · Buchberg · Büttenhardt · Dörflingen · Gächlingen · Hallau · Hemishofen · Lohn (SH) · Löhningen · Merishausen · Neunkirch · Oberhallau · Ramsen · Rüdlingen · Schleitheim · Siblingen · Stein am Rhein · Stetten (SH) · Thayngen · Trasadingen · Wilchingen
The other insurers in Region 2
23 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 433.80 | View |
| ÖKK | CHF 448.10 | View |
| Assura-Basis | CHF 452.60 | View |
| Visana | CHF 455.20 | View |
| Aquilana | CHF 459.80 | View |
| KPT | CHF 469.00 | View |
| CONCORDIA | CHF 469.60 | View |
| SWICA | CHF 470.30 | View |
| Galenos | CHF 470.90 | View |
| Sanitas | CHF 484.35 | View |
| EGK | CHF 486.80 | View |
| Sumiswalder | CHF 487.40 | View |
| SLKK | CHF 488.30 | View |
| Helsana | CHF 491.30 | View |
| Vivao Sympany | CHF 498.10 | View |
| sana24 | CHF 499.30 | View |
| rhenusana | CHF 504.30 | View |
| CSS | CHF 514.50 | View |
| Atupri | CHF 516.10 | View |
| Mutuel | CHF 527.50 | View |
| Avenir | CHF 534.80 | View |
| vita surselva | CHF 564.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.