Sanitas or Mutuel in Region 2 of canton Schaffhausen?
In Region 2, Sanitas is CHF 517.80 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 484.35 a month, Mutuel to CHF 527.50. The gap is CHF 517.80 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 Sanitas is worth CHF 606.60 more a year. Agrisano
Where they stand in the region
Sanitas ranks 10 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 556.70 | CHF 599.40 | − 42.70 |
| 500 | CHF 545.10 | CHF 587.90 | − 42.80 |
| 1'000 | CHF 515.90 | CHF 558.90 | − 43.00 |
| 1'500 | CHF 486.70 | CHF 529.40 | − 42.70 |
| 2'000 | CHF 457.60 | CHF 500.40 | − 42.80 |
| 2'500 | CHF 428.40 | CHF 471.40 | − 43.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 484.35 | CHF 545.50 |
| Other model | CHF 501.10 | CHF 529.00 |
| HMO practice | CHF 506.60 | CHF 527.50 |
| Free choice of doctor | CHF 556.70 | CHF 599.40 |
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.