OptiMed or SanaTel — Region 2, Schaffhausen
Region 2, Schaffhausen: with Avenir, OptiMed costs CHF 534.80 a month in 2026 and SanaTel CHF 547.00, 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 146.40 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 534.80 | CHF 547.00 | CHF 146.40 |
| 500 | CHF 523.30 | CHF 535.50 | CHF 146.40 |
| 1'000 | CHF 494.30 | CHF 506.50 | CHF 146.40 |
| 1'500 | CHF 464.80 | CHF 477.00 | CHF 146.40 |
| 2'000 | CHF 435.80 | CHF 448.00 | CHF 146.40 |
| 2'500 | CHF 406.80 | CHF 419.00 | CHF 146.40 |
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 1
- 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.