Visana or CONCORDIA in Region 1 of canton Schaffhausen?
In Region 1, Visana is CHF 18.00 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Visana comes down to CHF 500.80 a month, CONCORDIA to CHF 502.30. The gap is CHF 18.00 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 Visana is worth CHF 246.00 more a year. ÖKK
Where they stand in the region
Visana ranks 6 and CONCORDIA ranks 7, 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 | Visana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 603.30 | CHF 577.30 | + 26.00 |
| 500 | CHF 596.60 | CHF 565.70 | + 30.90 |
| 1'000 | CHF 562.50 | CHF 536.50 | + 26.00 |
| 1'500 | CHF 533.30 | CHF 507.30 | + 26.00 |
| 2'000 | CHF 504.10 | CHF 478.20 | + 25.90 |
| 2'500 | CHF 475.00 | CHF 449.00 | + 26.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| Other model | CHF 500.80 | CHF 502.30 |
| Family doctor | CHF 531.00 | CHF 511.00 |
| HMO practice | CHF 531.00 | CHF 502.30 |
| Free choice of doctor | CHF 603.30 | CHF 577.30 |
How they moved in this region
Against 2025, Visana moves by + 3.5 % and CONCORDIA by + 5.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.