Visana or Mutuel in Region 2 of canton Schaffhausen?
In Region 2, Visana is CHF 867.60 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 455.20 a month, Mutuel to CHF 527.50. The gap is CHF 867.60 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 Visana is worth CHF 256.80 more a year. Agrisano
Where they stand in the region
Visana ranks 4 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 548.40 | CHF 599.40 | − 51.00 |
| 500 | CHF 541.70 | CHF 587.90 | − 46.20 |
| 1'000 | CHF 507.60 | CHF 558.90 | − 51.30 |
| 1'500 | CHF 478.40 | CHF 529.40 | − 51.00 |
| 2'000 | CHF 449.20 | CHF 500.40 | − 51.20 |
| 2'500 | CHF 420.10 | CHF 471.40 | − 51.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| Other model | CHF 455.20 | CHF 529.00 |
| Family doctor | CHF 482.60 | CHF 545.50 |
| HMO practice | CHF 482.60 | CHF 527.50 |
| Free choice of doctor | CHF 548.40 | CHF 599.40 |
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.