Sanitas or Mutuel in Region 1 of canton Schaffhausen?
In Region 1, Sanitas is CHF 390.00 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
Sanitas comes down to CHF 522.70 a month, Mutuel to CHF 555.20. The gap is CHF 390.00 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 Sanitas is worth CHF 508.80 more a year. ÖKK
Where they stand in the region
Sanitas ranks 15 and Mutuel ranks 21, 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 | Sanitas | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 600.80 | CHF 630.90 | − 30.10 |
| 500 | CHF 589.20 | CHF 619.40 | − 30.20 |
| 1'000 | CHF 560.00 | CHF 590.40 | − 30.40 |
| 1'500 | CHF 530.80 | CHF 560.90 | − 30.10 |
| 2'000 | CHF 501.70 | CHF 531.90 | − 30.20 |
| 2'500 | CHF 472.50 | CHF 502.90 | − 30.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 522.70 | CHF 574.20 |
| Other model | CHF 540.80 | CHF 556.80 |
| HMO practice | CHF 546.80 | CHF 555.20 |
| Free choice of doctor | CHF 600.80 | CHF 630.90 |
How they moved in this region
Against 2025, Sanitas moves by + 4.5 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.