# Health insurance premiums 2026 in Schaffhausen (SH), for a young adult aged 19 to 25 with accident cover

In 2026, for a young adult aged 19 to 25 in Schaffhausen, with accident cover, the cheapest health insurance premium is:

- **358.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-300/) (Aquilana, SMARTMED)
- **235.65 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-2500/) (Sanitas, Family doctor 1)

## With accident cover: from 235.65 to 491.45 CHF a month depending on the deductible and the model

114 offers from 23 health insurers. With a deductible of 300 CHF, the cheapest is **358.85 CHF** a month with **Aquilana** (SMARTMED), the most expensive 491.45 CHF with sana24 (Standard model).

Lowest premium:
- 300 CHF: 358.85 CHF (Aquilana, SMARTMED) — https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-300/
- 500 CHF: 348.85 CHF (Aquilana, SMARTMED) — https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-500/
- 1'000 CHF: 323.15 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 293.95 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 264.85 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 235.65 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 358.85 | 348.85 | 323.45 | 298.05 | 272.65 | 241.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 363.05 | 352.45 | 326.05 | 299.65 | 273.25 | 246.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 363.95 | 352.35 | 323.15 | 293.95 | 264.85 | 235.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 364.05 | 352.45 | 323.25 | 294.05 | 264.95 | 235.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 364.05 | 352.45 | 323.25 | 294.05 | 264.95 | 235.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 364.15 | 352.55 | 323.35 | 294.15 | 265.05 | 235.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 364.25 | 352.65 | 323.45 | 294.25 | 265.15 | 235.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 364.25 | 352.65 | 323.45 | 294.25 | 265.15 | 235.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 364.55 | 357.85 | 323.65 | 294.55 | 265.35 | 236.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 364.55 | 357.85 | 323.65 | 294.55 | 265.35 | 236.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 364.75 | 353.15 | 323.95 | 294.75 | 265.65 | 236.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 366.35 | 354.75 | 325.55 | 296.35 | 267.25 | 238.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 367.80 | 356.20 | 327.00 | 297.80 | 268.70 | 239.50 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 367.80 | 356.20 | 327.00 | 297.80 | 268.70 | 239.50 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 367.80 | 356.20 | 327.00 | 297.80 | 268.70 | 239.50 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 367.95 | 356.35 | 327.15 | 297.95 | 268.85 | 239.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 367.95 | 356.35 | 327.15 | 297.95 | 268.85 | 239.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 368.65 | 357.05 | 327.85 | 298.65 | 269.55 | 240.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 369.15 | 358.35 | 331.55 | 304.75 | 277.85 | 251.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 371.65 | 360.05 | 330.85 | 301.65 | 272.55 | 243.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 371.65 | 360.05 | 330.85 | 301.65 | 272.55 | 243.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 372.65 | 361.05 | 331.85 | 302.65 | 273.55 | 244.35 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 375.55 | 363.95 | 334.75 | 305.65 | 276.45 | 249.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 376.85 | 365.25 | 336.05 | 306.85 | 277.75 | 248.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 378.15 | 366.55 | 337.35 | 308.15 | 279.05 | 249.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 379.05 | 367.45 | 338.25 | 309.05 | 279.95 | 259.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 379.45 | 367.85 | 338.65 | 309.45 | 280.35 | 251.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 381.15 | 369.55 | 340.35 | 311.15 | 282.05 | 252.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 381.95 | 370.35 | 341.15 | 311.95 | 282.85 | 253.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 383.75 | 372.95 | 346.15 | 319.35 | 292.55 | 265.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 383.75 | 372.95 | 346.15 | 319.35 | 292.55 | 265.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 383.85 | 372.25 | 343.05 | 313.85 | 284.75 | 255.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 383.85 | 372.25 | 343.05 | 313.85 | 284.75 | 255.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 383.85 | 372.25 | 343.05 | 313.85 | 284.75 | 255.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 386.35 | 374.75 | 345.55 | 316.35 | 287.25 | 258.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 387.15 | 375.55 | 350.85 | 321.65 | 288.05 | 258.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 388.35 | 376.75 | 347.55 | 318.35 | 289.25 | 260.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 388.35 | 376.75 | 347.55 | 318.35 | 289.25 | 260.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 388.35 | 376.75 | 347.55 | 318.35 | 289.25 | 260.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 392.35 | 380.75 | 351.55 | 322.35 | 293.25 | 264.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 392.35 | 380.75 | 351.55 | 322.35 | 293.25 | 264.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 393.65 | 386.95 | 352.85 | 323.65 | 294.45 | 265.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 394.25 | 382.65 | 353.45 | 324.25 | 295.15 | 265.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 395.15 | 383.55 | 354.35 | 325.15 | 296.05 | 266.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 395.15 | 383.55 | 354.35 | 325.15 | 296.05 | 266.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 396.15 | 384.55 | 355.35 | 326.15 | 297.05 | 267.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 396.45 | 384.85 | 355.65 | 326.45 | 297.35 | 268.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 397.85 | 391.15 | 357.05 | 327.85 | 298.65 | 269.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 398.25 | 391.65 | 357.45 | 328.25 | 299.15 | 269.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 398.45 | 386.75 | 368.85 | 339.75 | 301.55 | 272.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 398.95 | 387.35 | 358.15 | 328.95 | 299.85 | 270.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 401.15 | 389.45 | 360.35 | 331.15 | 301.95 | 272.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 401.65 | 389.95 | 360.85 | 331.65 | 302.45 | 273.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 401.75 | 390.15 | 360.95 | 331.75 | 302.65 | 273.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 402.85 | 391.25 | 362.05 | 332.85 | — | 274.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 404.95 | 393.45 | 364.45 | 334.95 | 305.95 | 276.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 406.25 | 394.65 | 365.45 | 336.25 | 307.15 | 277.95 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 407.05 | 398.05 | 375.55 | 353.05 | 330.05 | 307.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 407.45 | 400.35 | 371.15 | 341.95 | 308.35 | 279.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 407.45 | 395.75 | 366.55 | 337.45 | 308.25 | 279.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 407.65 | 396.05 | 366.85 | 337.65 | 308.55 | 279.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 409.65 | 397.95 | 368.75 | 339.65 | 310.45 | 281.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 409.65 | 398.15 | 369.15 | 339.65 | 310.65 | 281.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 411.85 | 400.25 | 371.05 | 341.85 | 312.75 | 283.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 411.85 | 400.25 | 371.05 | 341.85 | 312.75 | 283.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 412.25 | 400.65 | 371.45 | 342.25 | 313.15 | 283.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 412.75 | 401.25 | 372.25 | 342.75 | 313.75 | 284.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 413.05 | 406.35 | 372.25 | 343.05 | 313.85 | 284.75 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 413.15 | 401.55 | 372.35 | 343.25 | 314.05 | 284.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 414.65 | 402.95 | 373.85 | 344.65 | 315.45 | 286.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 415.35 | 403.85 | 374.85 | 345.35 | 316.35 | 287.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 417.25 | 410.65 | 376.45 | 347.25 | 318.15 | 288.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 417.45 | 405.95 | 376.95 | 347.45 | 318.45 | 289.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 417.55 | 405.95 | 376.75 | 347.55 | 318.45 | 289.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 417.75 | 406.25 | 377.25 | 347.75 | 318.75 | 289.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 419.15 | 407.65 | 378.65 | 349.15 | 320.15 | 291.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 420.35 | 408.75 | 379.55 | 350.35 | — | 292.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 420.35 | 408.75 | 379.55 | 350.35 | — | 292.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 420.75 | 409.05 | 379.85 | 350.75 | 321.55 | 292.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 423.25 | 411.55 | 382.45 | 355.55 | 328.55 | 303.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 423.85 | 412.25 | 383.05 | 353.85 | — | 295.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 427.05 | 415.55 | 386.55 | 357.05 | 328.05 | 299.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 427.85 | 416.25 | 387.05 | 357.85 | 328.75 | 299.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 427.85 | 416.35 | 387.35 | 357.85 | 333.85 | 310.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 428.65 | 417.15 | 388.15 | 358.65 | 329.65 | 300.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 429.65 | 418.15 | 389.15 | 359.65 | 330.65 | 301.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 429.65 | 418.15 | 389.15 | 359.65 | 330.65 | 301.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 430.05 | 419.85 | 394.15 | 368.45 | 342.85 | 317.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 431.85 | 420.35 | 391.35 | 361.85 | 332.85 | 303.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 431.95 | 420.25 | 391.05 | 361.95 | 332.75 | 303.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 432.25 | 420.65 | 391.45 | 364.55 | 337.65 | 312.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 432.25 | 420.65 | 391.45 | 362.25 | 333.15 | 303.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 433.75 | 422.15 | 392.95 | 363.75 | 334.65 | 305.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 434.75 | 423.15 | 393.95 | 364.75 | 335.65 | 306.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 436.45 | 424.85 | 395.65 | 366.45 | 337.35 | 308.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 437.65 | 426.05 | 396.85 | 367.65 | 338.55 | 309.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 438.45 | 426.75 | 397.65 | 368.45 | 339.25 | 310.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 439.95 | 429.45 | 403.25 | 376.95 | 350.75 | 324.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 442.05 | 430.45 | 401.25 | 372.05 | 342.95 | 313.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 444.85 | 434.35 | 407.75 | 381.15 | 354.75 | 328.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 445.75 | 434.15 | 404.95 | 375.75 | 346.65 | 317.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 446.75 | 435.15 | 405.95 | 376.75 | 347.65 | 318.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 448.25 | 436.65 | 407.45 | 378.25 | — | 319.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 451.75 | 440.05 | 410.95 | 381.75 | 352.55 | 323.45 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 457.95 | 447.95 | 423.45 | 398.95 | 374.45 | 349.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 466.65 | 454.95 | 425.85 | 396.65 | 367.45 | 338.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 468.85 | 457.35 | 428.35 | 398.85 | 369.85 | 340.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.35 | 460.85 | 431.85 | 402.35 | 373.35 | 344.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.65 | 461.15 | 432.15 | 402.65 | 373.65 | 344.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.75 | 461.15 | 431.95 | 402.75 | — | 344.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 476.55 | 464.85 | 435.75 | 406.55 | 377.35 | 348.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 489.35 | 477.75 | 448.55 | 419.35 | 390.25 | 361.05 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 490.85 | 480.95 | 451.15 | 421.40 | 396.60 | 366.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 491.45 | 479.75 | 450.65 | 421.45 | 392.25 | 363.15 |

114 offers from 23 health insurers.: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Schaffhausen for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Schaffhausen](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/) is Aquilana (SMARTMED) at 358.85 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 379.45 CHF a month.

### How much does health insurance cost in Schaffhausen in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 358.85 CHF (Aquilana, SMARTMED) to 491.45 CHF (sana24, Standard model): 114 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: 312.35 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Schaffhausen for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Aquilana, SMARTMED), the premium goes from 358.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-300/) to 241.35 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-2500/): 117.50 CHF less a month, 1'410.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'867 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Schaffhausen for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 379.45 CHF (Sanitas), family doctor / HMO 363.95 CHF (Sanitas), flexible model 364.25 CHF (Sympany), telemedicine 358.85 CHF (Aquilana).

### 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 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 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 364.00 CHF at Aquilana (SMARTMED) gives 358.85 CHF after redistribution.

### 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 premiums on this page are those approved by the FOPH for 2026.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/

## Related pages

- With accident cover: from 235.65 to 491.45 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/ — replace `sh` with your canton’s two-letter code (ge, vd, zh…) and `schaffhausen` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.