Aquilana SMARTMED — Region 1, Schaffhausen
Region 1, Schaffhausen: the SMARTMED model from Aquilana costs CHF 491.80 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 491.80, SMARTMED is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 880.80 less per year than Aquilana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 491.80 | CHF 457.40 |
| 500 | CHF 481.80 | CHF 448.10 |
| 1'000 | CHF 456.40 | CHF 424.40 |
| 1'500 | CHF 431.10 | CHF 400.90 |
| 2'000 | CHF 405.70 | CHF 377.30 |
| 2'500 | CHF 371.50 | CHF 345.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 364.00 | CHF 338.60 |
| 500 | CHF 354.00 | CHF 329.40 |
| 1'000 | CHF 328.60 | CHF 305.70 |
| 1'500 | CHF 303.20 | CHF 282.00 |
| 2'000 | CHF 277.80 | CHF 258.50 |
| 2'500 | CHF 246.50 | CHF 229.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.20 | CHF 105.20 |
| 100 | CHF 108.20 | CHF 100.70 |
| 200 | CHF 103.20 | CHF 96.00 |
| 300 | CHF 98.10 | CHF 91.30 |
| 400 | CHF 93.00 | CHF 86.50 |
| 500 | CHF 85.80 | CHF 79.90 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.