Health insurance premiums 2026 in Schaffhausen (SH)
Schaffhausen is in premium region 1 of the canton of Schaffhausen.
For an adult aged 26 or over
Without accident cover: from 327.85 to 599.45 CHF a month
114 offers from 23 health insurers.
- Deductible of 300 CHF441.55 CHFÖKKHMO model
- Deductible of 500 CHF430.75 CHFÖKKHMO model
- Deductible of 1'000 CHF403.65 CHFÖKKHMO model
- Deductible of 1'500 CHF376.45 CHFÖKKHMO model
- Deductible of 2'000 CHF349.45 CHFÖKKHMO model
- Deductible of 2'500 CHF327.85 CHFHelsanaBeneFit PLUS Hausarzt R2
With accident cover: from 352.85 to 644.95 CHF a month
114 offers from 23 health insurers.
- Deductible of 300 CHF475.15 CHFÖKKHMO model
- Deductible of 500 CHF463.55 CHFÖKKHMO model
- Deductible of 1'000 CHF434.35 CHFÖKKHMO model
- Deductible of 1'500 CHF405.15 CHFÖKKHMO model
- Deductible of 2'000 CHF376.05 CHFÖKKHMO model
- Deductible of 2'500 CHF352.85 CHFHelsanaBeneFit PLUS Hausarzt R2
For a young adult aged 19 to 25
Without accident cover: from 218.85 to 487.85 CHF a month
114 offers from 23 health insurers.
- Deductible of 300 CHF333.45 CHFAquilanaSMARTMED
- Deductible of 500 CHF324.25 CHFAquilanaSMARTMED
- Deductible of 1'000 CHF300.25 CHFCSSHMO (health practice)
- Deductible of 1'500 CHF273.05 CHFCSSHMO (health practice)
- Deductible of 2'000 CHF246.05 CHFCSSHMO (health practice)
- Deductible of 2'500 CHF218.85 CHFCSSHMO (health practice)
With accident cover: from 235.65 to 491.45 CHF a month
114 offers from 23 health insurers.
- Deductible of 300 CHF358.85 CHFAquilanaSMARTMED
- Deductible of 500 CHF348.85 CHFAquilanaSMARTMED
- Deductible of 1'000 CHF323.15 CHFSanitasFamily doctor 1
- Deductible of 1'500 CHF293.95 CHFSanitasFamily doctor 1
- Deductible of 2'000 CHF264.85 CHFSanitasFamily doctor 1
- Deductible of 2'500 CHF235.65 CHFSanitasFamily doctor 1
For a child aged 0 to 18
With accident cover: from 64.25 to 164.55 CHF a month
114 offers from 23 health insurers.
- Deductible of 0 CHF99.25 CHFAssuraPharMed
- Deductible of 100 CHF93.45 CHFAssuraPharMed
- Deductible of 200 CHF87.65 CHFAssuraPharMed
- Deductible of 300 CHF81.75 CHFAssuraPharMed
- Deductible of 400 CHF75.95 CHFAssuraPharMed
- Deductible of 500 CHF70.15 CHFAssuraPharMed
- Deductible of 600 CHF64.25 CHFAssuraPharMed
Without accident cover: from 59.45 to 152.75 CHF a month
114 offers from 23 health insurers.
- Deductible of 0 CHF91.95 CHFAssuraPharMed
- Deductible of 100 CHF86.55 CHFAssuraPharMed
- Deductible of 200 CHF81.25 CHFAssuraPharMed
- Deductible of 300 CHF75.75 CHFAssuraPharMed
- Deductible of 400 CHF70.35 CHFAssuraPharMed
- Deductible of 500 CHF64.95 CHFAssuraPharMed
- Deductible of 600 CHF59.45 CHFAssuraPharMed
In 2026, the cheapest health insurance premium in Schaffhausen is:
- For an adult without accident cover: 441.55 CHF a month with a 300 CHF deductible (ÖKK, HMO model), 327.85 CHF with a 2'500 CHF deductible (Helsana, BeneFit PLUS Hausarzt R2).
- For a young adult without accident cover: 333.45 CHF a month with a 300 CHF deductible (Aquilana, SMARTMED), 218.85 CHF with a 2'500 CHF deductible (CSS, HMO (health practice)).
- For a child with accident cover: 99.25 CHF a month with a 0 CHF deductible (Assura, PharMed), 64.25 CHF with a 600 CHF deductible (Assura, PharMed).
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Frequently asked questions
Which health insurer is the cheapest in Schaffhausen in 2026?
For an adult without accident cover: ÖKK (HMO model) at 446.70 CHF a month with a deductible of 300 CHF, and Helsana (BeneFit PLUS Hausarzt R2) at 327.85 CHF with the 2'500 CHF deductible. Each situation above leads to the full list of offers.
Are the premiums the same across the whole region?
Yes. Schaffhausen is in premium region 1 of canton Schaffhausen: every municipality in that region has exactly the same premiums. The region depends on your municipality of residence, not your postcode.
Until when can I change health insurer for 2026?
Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The deductible changes on the same date, by telling your insurer.
Do I need to include accident cover?
Generally no if you work at least 8 hours a week for the same employer: their accident insurance (UVG/LAA) also covers non-occupational accidents. Otherwise, include accident cover if you are not already fully covered by another UVG/LAA accident policy.
Why is the FOPH-approved premium higher than the price shown?
The amount shown is the FOPH-approved premium, the same one as on priminfo.admin.ch, less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person receives 61.80 CHF, which the insurer deducts from the invoices: 5.15 CHF a month, the same amount for everyone. The approved premium of 446.70 CHF at ÖKK therefore gives 441.55 CHF; the ranking does not change. Your invoice may still differ, for example with your canton’s individual premium reduction.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.