OptiMed or SanaTel — Region 1, Schaffhausen
Region 1, Schaffhausen: with Avenir, OptiMed costs CHF 568.90 a month in 2026 and SanaTel CHF 581.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
OptiMed is the cheaper of the two here: CHF 156.00 saved per year against SanaTel, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 568.90 | CHF 581.90 | CHF 156.00 |
| 500 | CHF 557.40 | CHF 570.40 | CHF 156.00 |
| 1'000 | CHF 528.40 | CHF 541.40 | CHF 156.00 |
| 1'500 | CHF 498.90 | CHF 511.90 | CHF 156.00 |
| 2'000 | CHF 469.90 | CHF 482.90 | CHF 156.00 |
| 2'500 | CHF 440.90 | CHF 453.90 | CHF 156.00 |
The comparison, region by region
- OptiMed or SanaTel?
- 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
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.