# Health insurance premiums 2027 in Schaffhausen (SH), for a child aged 0 to 18, deductible of 0 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Schaffhausen](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/) ([canton Schaffhausen](https://praemiencheck.onedoc.ch/en/sh/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/) with a 0 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/), the cheapest monthly basic insurance premium is **98.25 CHF** with **Assura** (PharMed model) and the most expensive is 168.45 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (0 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 98.25 | 92.85 | 87.45 | 81.95 | 76.55 | 71.15 | 65.75 | +6.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 98.45 | — | 87.65 | — | 76.75 | — | 65.85 | +4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 99.35 | 93.95 | 88.55 | 83.05 | 77.65 | 72.35 | 66.85 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 101.65 | 96.25 | 90.95 | 85.45 | 80.05 | 74.65 | 69.15 | +5.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 101.95 | — | 91.15 | — | 80.35 | — | 69.45 | +4.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 101.95 | — | 91.15 | — | 80.35 | — | 69.45 | +4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 102.35 | 96.95 | 91.55 | 86.05 | 80.65 | 75.25 | 69.75 | +6.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 102.95 | — | 94.35 | — | 85.65 | — | 76.95 | +0.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 103.75 | — | 92.95 | — | 82.05 | — | 71.15 | +4.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 103.95 | — | 93.75 | 88.75 | 83.65 | 78.55 | 73.45 | +3.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 104.25 | 99.55 | 94.85 | 90.15 | 85.45 | 78.75 | — | +3.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 104.55 | — | 94.25 | 89.25 | 84.15 | 78.95 | 73.95 | +2.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 106.45 | 101.05 | 95.65 | 90.15 | 84.75 | 79.35 | 73.85 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 106.45 | 101.05 | 95.65 | 90.15 | 84.75 | 79.35 | 73.85 | +6.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 108.05 | 102.65 | 97.25 | 91.75 | 86.35 | 80.95 | — | +5.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 108.05 | 102.65 | 97.25 | 91.75 | 86.35 | 80.95 | — | +5.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 108.95 | — | — | — | — | 81.85 | — | +8.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 108.95 | — | — | — | — | 81.85 | — | +9.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 108.95 | — | — | — | — | 81.85 | — | +9.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 109.25 | 103.85 | 98.45 | 93.05 | 87.55 | 82.15 | — | +3.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 109.75 | — | 100.55 | — | 91.35 | — | 82.05 | +1.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 109.75 | — | 100.55 | — | 91.35 | — | 82.05 | +1.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 110.25 | — | — | — | — | 83.15 | — | +9.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 110.55 | 105.25 | 99.85 | 94.35 | 88.95 | — | 78.05 | +5.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 111.05 | — | 101.85 | — | 92.45 | — | 83.05 | +1.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 111.15 | 105.65 | 100.15 | 94.65 | 89.15 | 83.65 | 78.05 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 111.55 | — | — | — | — | 84.45 | — | +6.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 111.55 | — | — | — | — | 84.45 | — | +11.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 111.75 | 106.75 | 101.75 | 96.65 | 91.75 | 86.85 | 81.65 | +4.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 111.75 | 106.75 | 101.75 | 96.65 | 91.75 | 86.85 | 81.65 | +4.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 111.85 | 106.35 | 100.85 | 95.25 | 89.75 | 84.35 | 78.75 | +4.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.25 | 106.85 | 101.45 | 95.95 | 90.55 | 85.15 | 79.65 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 112.35 | 106.95 | 101.55 | 96.05 | 90.65 | 85.25 | 79.75 | +2.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 112.35 | 106.95 | 101.55 | 96.05 | 90.65 | 85.25 | 79.75 | +2.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 113.15 | 107.65 | 102.15 | 96.65 | 91.15 | 85.65 | 80.05 | +4.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 113.65 | 108.25 | 102.85 | 97.35 | 91.95 | 86.55 | 81.05 | +2.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 113.75 | — | 102.95 | — | 92.15 | — | 81.25 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 113.95 | 108.55 | 103.15 | 97.65 | 92.25 | — | 81.35 | +5.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 114.05 | — | 102.85 | 97.35 | 91.85 | 86.25 | 80.75 | +2.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 114.55 | 109.15 | 103.75 | 98.25 | 92.95 | 87.55 | 82.05 | +3.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 115.25 | 109.85 | 104.45 | 98.95 | 93.55 | 88.15 | 82.65 | +3.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 115.45 | 110.05 | 104.55 | 99.15 | 93.65 | 88.25 | 82.75 | +5.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 115.45 | 110.05 | 104.55 | 99.15 | 93.65 | 88.25 | 82.75 | +5.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 115.45 | 110.05 | 104.55 | 99.15 | 93.65 | 88.25 | 82.75 | +5.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 115.45 | — | — | — | — | 88.35 | — | +9.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 115.85 | 110.55 | 105.15 | 99.65 | 94.25 | 88.85 | 83.35 | +3.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 115.85 | 110.55 | 105.15 | 99.65 | 94.25 | 88.85 | 83.35 | +3.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 116.15 | 111.35 | 106.55 | 101.65 | 97.15 | 92.05 | 87.25 | +1.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 116.25 | 110.85 | 105.45 | 99.95 | 94.55 | 89.15 | 83.75 | +2.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 116.45 | — | 106.75 | — | 96.95 | — | 87.15 | −2.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 118.35 | 112.95 | 107.45 | 101.95 | 96.55 | 91.05 | 85.65 | +8.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 118.95 | 113.95 | 109.05 | 104.05 | 99.45 | 94.25 | 89.25 | +1.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 120.25 | 115.35 | 110.35 | 105.35 | 100.65 | 95.35 | 90.35 | +1.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.45 | 115.05 | 109.65 | 104.25 | 98.85 | 93.45 | — | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 121.05 | 115.65 | 110.25 | 104.85 | 99.45 | — | 88.55 | +10.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 121.05 | 115.65 | 110.25 | 104.85 | 99.45 | — | 88.55 | +5.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 121.75 | 116.35 | 110.95 | 105.55 | 100.15 | 94.75 | 89.25 | +4.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.25 | 116.85 | 111.35 | 105.85 | 100.45 | 94.95 | — | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 123.55 | 118.15 | 112.65 | 107.25 | 101.75 | 96.35 | 90.85 | +2.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 124.05 | 118.65 | 113.20 | 107.75 | 102.35 | 96.90 | 91.45 | +2.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Start | 124.45 | — | — | — | — | — | 111.15 | New tariff 2027 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 125.40 | 120.00 | 114.55 | 109.10 | 103.70 | 98.25 | 92.80 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 125.40 | 120.00 | 114.55 | 109.10 | 103.70 | 98.25 | 92.80 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 125.40 | 120.00 | 114.55 | 109.10 | 103.70 | 98.25 | 92.80 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 125.40 | 120.00 | 114.55 | 109.10 | 103.70 | 98.25 | 92.80 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 125.40 | 120.00 | 114.55 | 109.10 | 103.70 | 98.25 | 92.80 | +2.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.95 | — | — | — | — | 98.95 | — | +9.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.05 | 120.65 | 115.25 | 109.75 | 104.35 | 98.95 | 93.55 | +2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 126.70 | 121.30 | 115.85 | 110.40 | 105.00 | 99.55 | 94.10 | +2.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.85 | 122.45 | 117.05 | 111.55 | 106.15 | — | 95.25 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.85 | 122.45 | 117.05 | 111.55 | 106.15 | 100.75 | 95.25 | +3.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.45 | 122.95 | 117.45 | 111.95 | 106.45 | 100.95 | 95.35 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 128.85 | — | 126.15 | — | 122.05 | — | 111.15 | +10.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 129.40 | 124.00 | 118.55 | 113.10 | 107.70 | 102.25 | 96.80 | +2.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 129.95 | — | 119.15 | — | 108.25 | — | 97.35 | +1.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 130.15 | 124.65 | 119.25 | 113.75 | 108.35 | 102.85 | 97.45 | +2.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 130.25 | 124.75 | 119.25 | — | 108.15 | — | 96.95 | +2.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 130.95 | — | — | 114.75 | — | — | 98.45 | +4.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 131.75 | 126.25 | 120.75 | — | 109.65 | — | 98.55 | +1.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.65 | 127.15 | 121.75 | 116.15 | 111.05 | 105.25 | 99.75 | +1.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 132.85 | 127.45 | 122.05 | 116.55 | 111.15 | 105.75 | 100.25 | +5.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 132.85 | 127.45 | 122.05 | 116.55 | 111.15 | 105.75 | 100.25 | +5.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 133.15 | — | — | 116.85 | — | — | 100.55 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 134.05 | — | 131.35 | — | 122.05 | — | 111.15 | +10.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 134.35 | 128.95 | 123.55 | 118.05 | 112.65 | 107.25 | 101.75 | +5.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 134.95 | 129.35 | 123.85 | — | 112.75 | — | 101.65 | +2.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 134.95 | 129.35 | 123.85 | — | 112.75 | — | 101.65 | +2.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 136.85 | 131.45 | 125.95 | 120.55 | 115.05 | 109.65 | 104.15 | +5.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 136.85 | 131.45 | 125.95 | 120.55 | 115.05 | 109.65 | 104.15 | +5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 137.25 | 131.75 | 126.35 | 120.85 | 115.35 | 109.95 | 104.45 | +5.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 137.45 | 132.05 | 126.65 | 121.15 | 115.75 | 110.35 | 104.85 | +5.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 138.25 | 132.85 | 127.35 | 121.95 | 116.45 | 111.05 | 105.55 | +2.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 138.35 | 132.85 | 127.45 | 121.95 | 116.55 | 111.05 | 105.65 | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 138.45 | 132.95 | 127.55 | 122.05 | 116.65 | 111.15 | 105.75 | +2.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 142.05 | 136.55 | 131.15 | 125.65 | 120.25 | 114.75 | 109.35 | +5.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 142.35 | 137.20 | 132.05 | 126.15 | 120.30 | 114.45 | 108.50 | +2.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 142.75 | — | — | 126.45 | — | — | 110.15 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 143.75 | — | 132.85 | — | 122.05 | — | 111.15 | +10.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 143.75 | — | 132.85 | — | 122.05 | — | 111.15 | +10.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 143.75 | — | 132.85 | — | 122.05 | — | 111.15 | +10.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 143.75 | — | 132.85 | — | 122.05 | — | 111.15 | +14.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 143.75 | — | 132.85 | — | 122.05 | — | 111.15 | +10.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 144.25 | 138.75 | 133.35 | 127.85 | 122.45 | 116.95 | 111.55 | +2.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 147.75 | — | 136.85 | — | 125.95 | — | 115.15 | +9.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 147.75 | — | 136.85 | — | 125.95 | — | 115.15 | +9.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 148.55 | — | 137.65 | — | 126.85 | — | 116.05 | +9.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 148.65 | 143.15 | 137.65 | — | 126.55 | — | 115.45 | +1.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 148.95 | 143.55 | 138.15 | 132.65 | 127.25 | 121.85 | 116.35 | +5.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 151.15 | — | 140.25 | — | 129.45 | — | 118.65 | +9.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 151.65 | 146.25 | 140.75 | 135.35 | 129.85 | 124.45 | 118.95 | +5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 151.65 | 146.25 | 140.75 | 135.35 | 129.85 | 124.45 | 118.95 | +5.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 152.85 | — | 142.05 | — | 131.15 | — | 120.25 | +9.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 153.25 | 147.85 | 142.35 | 136.95 | 131.45 | 126.05 | 120.55 | +5.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 156.55 | 151.05 | 145.65 | 140.15 | 134.75 | 129.25 | 123.75 | +5.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 168.45 | — | 157.55 | — | 146.75 | — | 135.95 | +9.7 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Schaffhausen for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/), the cheapest offer in [Schaffhausen](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/) is Assura (PharMed) at 98.25 CHF a month.

### How much does health insurance cost in Schaffhausen in 2027 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/) with a deductible of 0 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/), monthly premiums run from 98.25 CHF (Assura, PharMed) to 168.45 CHF (Sympany, Standard model): 115 offers from 23 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 119.15 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Schaffhausen for a child aged 0 to 18 without accident cover?

On the cheapest offer (Assura, PharMed), the premium goes from 98.25 CHF a month with the 0 CHF deductible to 65.75 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-600/): 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Schaffhausen for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, the cheapest premium per model is: standard model 112.25 CHF (Assura), family doctor / HMO 98.25 CHF (Assura), flexible model 101.65 CHF (Assura), telemedicine 99.35 CHF (Assura).

### Does a second or third child pay less in Schaffhausen?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 23 insurers present in Schaffhausen file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIcontact | 103.95 CHF | 44.65 CHF from the 3rd child |
| Galenos | Managed Care | 123.55 CHF | 44.85 CHF from the 3rd child |
| Visana | Managed Care | 115.45 CHF | 45.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 104.25 CHF | 49.75 CHF from the 3rd child |
| sana24 | Managed Care | 137.25 CHF | 50.05 CHF from the 3rd child |
| SWICA | Favorit Start | 124.45 CHF | 52.25 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 111.75 CHF | 53.55 CHF from the 3rd child |
| CONCORDIA | HMO | 111.15 CHF | 54.65 CHF from the 3rd child |
| rhenusana | sanmed24 | 130.95 CHF | 63.15 CHF from the 3rd child |
| Groupe Mutuel – Philos | OptiMed (Healthcare network) | 112.35 CHF | 83.05 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 114.55 CHF | 84.75 CHF from the 5th child |
| Assura | PharMed | 98.25 CHF | 96.55 CHF from the 4th child, 94.95 CHF from the 5th child |
| EGK | EGK-Care | 108.05 CHF | 97.95 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 132.85 CHF | 98.45 CHF from the 5th child |
| SLKK | SmartMed | 116.15 CHF | 104.05 CHF from the 3rd child |

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 103.00 CHF at Assura (PharMed) gives 98.25 CHF after redistribution.

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Schaffhausen is in region 1 of canton Schaffhausen.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Schaffhausen (SH): every situation: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/
- Premiums 2027 in Schaffhausen (SH), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/
- Premiums 2027 in Schaffhausen (SH), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/with-accident/deductible-0/
- Deductible Premiums 2027 in Schaffhausen (SH), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-100/
- Deductible Premiums 2027 in Schaffhausen (SH), child, deductible of 200 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-200/
- Deductible Premiums 2027 in Schaffhausen (SH), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-300/
- Deductible Premiums 2027 in Schaffhausen (SH), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-400/
- Deductible Premiums 2027 in Schaffhausen (SH), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-500/
- Deductible Premiums 2027 in Schaffhausen (SH), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/sh/schaffhausen/child/no-accident/deductible-0/ — replace `sh` with your canton’s two-letter code (ge, vd, zh…), `schaffhausen` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-0` with `deductible-600` for another deductible. Markdown version: add `.md`.