Visana or Mutuel in Region 1 of canton Schaffhausen?
In Region 1, Visana is CHF 652.80 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
Visana comes down to CHF 500.80 a month, Mutuel to CHF 555.20. The gap is CHF 652.80 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 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 | Visana | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 603.30 | CHF 630.90 | − 27.60 |
| 500 | CHF 596.60 | CHF 619.40 | − 22.80 |
| 1'000 | CHF 562.50 | CHF 590.40 | − 27.90 |
| 1'500 | CHF 533.30 | CHF 560.90 | − 27.60 |
| 2'000 | CHF 504.10 | CHF 531.90 | − 27.80 |
| 2'500 | CHF 475.00 | CHF 502.90 | − 27.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| Other model | CHF 500.80 | CHF 556.80 |
| Family doctor | CHF 531.00 | CHF 574.20 |
| HMO practice | CHF 531.00 | CHF 555.20 |
| Free choice of doctor | CHF 603.30 | CHF 630.90 |
How they moved in this region
Against 2025, Visana moves by + 3.5 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.