# Health insurance premiums 2027 in Schaffhausen (SH), for a young adult aged 19 to 25 who wants a deductible of 500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with 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 young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/) with a 500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/), the cheapest monthly basic insurance premium is **361.85 CHF** with **Aquilana** (SMARTMED model) and the most expensive is 506.95 CHF with sana24 (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 371.95 | 361.85 | 336.45 | 311.15 | 285.75 | 254.25 | +3.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 374.85 | 364.15 | 337.55 | 310.85 | 284.15 | 257.45 | +3.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 376.95 | 366.15 | 339.45 | 312.55 | 285.65 | 258.95 | +2.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 381.25 | 369.65 | 340.45 | 311.25 | 282.15 | 252.95 | +4.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 381.45 | 369.85 | 340.65 | 311.45 | 282.35 | 253.15 | +4.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 381.45 | 369.85 | 340.65 | 311.45 | 282.35 | 253.15 | +4.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 381.85 | 370.25 | 341.05 | 311.85 | 282.75 | 253.55 | +2.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 384.05 | 372.45 | 343.25 | 314.05 | 284.95 | 255.75 | +3.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 384.10 | 372.45 | 343.30 | 314.10 | 284.95 | 255.80 | +5.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 384.10 | 372.45 | 343.30 | 314.10 | 284.95 | 255.80 | +5.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 387.75 | 376.15 | 346.95 | 317.75 | 288.65 | 259.45 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 388.15 | 376.50 | 347.35 | 318.15 | 289.00 | 259.85 | +5.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 388.15 | 376.50 | 347.35 | 318.15 | 289.00 | 259.85 | +5.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 388.15 | 376.50 | 347.35 | 318.15 | 289.00 | 259.85 | +5.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 388.15 | 376.50 | 347.35 | 318.15 | 289.00 | 259.85 | +5.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 388.15 | 376.50 | 347.35 | 318.15 | 289.00 | 259.85 | +5.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 388.55 | 376.95 | 347.75 | 318.55 | 289.45 | 260.25 | +2.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 389.25 | 377.65 | 348.45 | 319.35 | 290.15 | 261.25 | +3.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 390.15 | 378.55 | 349.35 | 320.15 | 291.05 | 261.85 | +2.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 385.25 | 378.55 | 344.45 | 315.25 | 286.05 | 256.95 | +5.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 385.25 | 378.55 | 344.45 | 315.25 | 286.05 | 256.95 | +5.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 392.05 | 381.25 | 354.45 | 327.65 | 300.85 | 274.05 | +2.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 392.05 | 381.25 | 354.45 | 327.65 | 300.85 | 274.05 | +2.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 394.55 | 382.95 | 353.75 | 324.55 | 295.45 | 266.25 | +2.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 398.25 | 386.65 | 357.45 | 328.25 | 299.15 | 278.25 | +5.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 400.30 | 388.65 | 359.50 | 330.30 | 301.15 | 272.00 | +5.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 400.65 | 388.95 | 359.85 | 330.65 | 301.45 | 272.35 | +10.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 400.65 | 388.95 | 359.85 | 330.65 | 301.45 | 272.35 | +10.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 402.95 | 391.25 | 362.15 | 332.95 | 303.75 | 274.65 | +10.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 403.55 | 391.95 | 362.75 | 333.55 | 304.45 | 275.25 | +2.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 403.55 | 391.95 | 362.75 | 333.55 | 304.45 | 275.25 | +2.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 404.65 | 393.05 | 363.85 | 334.65 | 305.55 | 276.35 | +6.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 407.05 | 395.45 | 366.25 | 337.05 | — | 278.75 | +1.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 409.35 | 397.75 | 368.55 | 339.35 | 310.25 | 281.05 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 409.85 | 398.25 | 369.05 | 339.85 | 310.75 | 281.55 | +10.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 410.15 | 398.45 | 369.35 | 340.15 | 310.95 | 281.85 | +2.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 412.15 | 400.55 | 371.35 | 342.15 | 313.05 | 283.85 | +5.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 412.15 | 400.55 | 371.35 | 342.15 | 313.05 | 283.85 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 412.35 | 400.85 | 371.85 | 342.35 | 313.35 | 284.35 | +1.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 414.45 | 402.85 | 373.65 | 344.45 | 315.35 | 286.15 | +10.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 416.45 | 404.85 | 375.65 | 346.45 | 317.35 | 288.15 | +2.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 416.65 | 404.95 | 380.55 | 351.45 | 317.45 | 288.35 | +7.6 % |
| [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) | 417.15 | 405.65 | 376.65 | 347.15 | 318.15 | 289.15 | +1.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 418.05 | 406.45 | 377.25 | 348.05 | 318.95 | 289.75 | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 418.75 | 407.05 | 377.95 | 348.75 | 319.55 | 290.45 | +2.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 418.65 | 407.05 | 377.85 | 348.65 | 319.55 | 290.35 | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 419.15 | 407.55 | 378.35 | 349.15 | 320.05 | 290.85 | +5.0 % |
| [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 | 420.45 | 408.85 | 379.65 | 350.45 | 321.35 | 292.15 | +8.3 % |
| [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 | 420.45 | 408.85 | 379.65 | 350.45 | 321.35 | 292.15 | +9.6 % |
| [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 | 420.45 | 408.85 | 379.65 | 350.45 | 321.35 | 292.15 | +9.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 420.95 | 409.35 | 380.15 | 350.95 | 321.85 | 292.65 | +6.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 415.95 | 409.35 | 375.15 | 345.95 | 316.85 | 287.65 | +5.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 421.45 | 409.75 | 380.65 | 351.45 | 322.25 | 293.15 | +2.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 421.85 | 410.15 | 380.95 | 351.85 | 322.65 | 293.45 | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 424.75 | 413.15 | 383.95 | 354.75 | — | 296.45 | +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) | 424.75 | 413.15 | 383.95 | 354.75 | — | 296.45 | +1.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 420.45 | 413.75 | 379.65 | 350.45 | 321.25 | 292.15 | +5.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 425.35 | 413.75 | 384.55 | 355.35 | 326.25 | 297.05 | +9.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 420.85 | 414.25 | 380.05 | 350.85 | 321.75 | 292.55 | +5.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 426.45 | 414.85 | 385.65 | 356.45 | 327.35 | 298.15 | +2.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 423.95 | 414.95 | 392.45 | 369.95 | 346.95 | 324.45 | +4.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 426.75 | 415.25 | 386.25 | 356.75 | 327.75 | 298.75 | +1.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.15 | 416.55 | 387.35 | 358.25 | 329.05 | 299.85 | +3.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 428.35 | 416.75 | 387.55 | 358.35 | — | 300.05 | +1.0 % |
| [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) | 428.75 | 417.25 | 388.25 | 358.75 | 329.75 | 300.75 | +3.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 430.05 | 418.35 | 389.25 | 360.05 | 330.85 | 301.75 | +2.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 430.25 | 418.65 | 389.45 | 360.25 | 331.15 | 301.95 | +5.5 % |
| [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 | 430.25 | 418.65 | 389.45 | 360.25 | 331.15 | 301.95 | +7.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 430.25 | 418.65 | 389.45 | 360.25 | 331.15 | 301.95 | +12.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 431.25 | 419.75 | 390.75 | 361.25 | 332.25 | 303.25 | +3.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 434.75 | 424.45 | 398.85 | 373.15 | 347.45 | 321.85 | +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) | 436.25 | 424.75 | 395.75 | 366.25 | 337.25 | 308.25 | +5.7 % |
| [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) | 436.45 | 424.95 | 395.95 | 366.45 | 337.45 | 308.45 | +1.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 437.25 | 425.65 | 396.45 | 367.25 | 338.15 | 308.95 | +6.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 437.25 | 425.65 | 396.45 | 367.25 | 338.15 | 308.95 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 433.45 | 426.55 | 397.35 | 368.15 | 334.25 | 305.05 | +6.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 439.55 | 427.95 | 398.75 | 369.55 | 340.45 | 311.25 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 440.55 | 428.95 | 406.95 | 377.75 | 341.45 | 312.25 | +10.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 441.35 | 429.85 | 400.85 | 371.35 | 342.35 | 313.35 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 436.45 | 429.85 | 395.65 | 366.45 | 337.35 | 308.15 | +5.6 % |
| [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 | 442.55 | 430.95 | 401.75 | 372.55 | — | 314.25 | −1.4 % |
| [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) | 443.55 | 432.05 | 403.05 | 373.55 | 344.55 | 315.55 | +3.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 443.55 | 432.05 | 403.05 | 373.55 | 344.55 | 315.55 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 443.95 | 432.35 | 403.15 | 373.95 | 344.85 | 315.65 | +2.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 444.85 | 433.25 | 404.05 | 374.85 | 345.75 | 316.55 | +9.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 445.55 | 433.95 | 405.05 | 375.55 | 351.55 | 328.55 | +4.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 444.65 | 434.25 | 407.95 | 381.65 | 355.55 | 329.25 | +1.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 440.95 | 434.25 | 400.05 | 370.95 | 341.75 | 312.55 | +5.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 448.15 | 436.45 | 407.35 | 378.15 | 348.95 | 319.85 | +2.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 449.65 | 439.15 | 412.55 | 385.95 | 359.55 | 332.95 | +1.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 451.45 | 439.95 | 410.95 | 381.45 | 352.45 | 323.45 | +5.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 455.95 | 444.25 | 415.05 | 385.95 | 356.75 | 327.55 | +10.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 455.85 | 444.25 | 415.05 | 385.85 | 356.75 | 327.55 | +5.5 % |
| [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) | 456.45 | 444.95 | 415.95 | 386.45 | 357.45 | 328.45 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 452.55 | 445.65 | 421.25 | 392.15 | 372.55 | 343.35 | +8.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 458.45 | 446.85 | 417.65 | 388.45 | 359.35 | 330.15 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 460.45 | 448.85 | 419.65 | 390.45 | 361.35 | 332.15 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 459.75 | 452.85 | 428.45 | 399.35 | 374.95 | 345.75 | +7.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 465.05 | 453.45 | 424.25 | 395.05 | 365.95 | 336.75 | +6.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 471.55 | 459.85 | 430.75 | 401.55 | 372.35 | 343.25 | +5.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 474.05 | 462.45 | 433.25 | 404.05 | 374.95 | 345.75 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 474.05 | 462.45 | 433.25 | 404.05 | 374.95 | 345.75 | +9.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 476.75 | 465.15 | 435.95 | 406.75 | 377.65 | 348.45 | +5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 477.35 | 465.85 | 436.85 | 407.35 | 378.35 | 349.35 | +1.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 477.95 | 466.35 | 437.15 | 407.95 | — | 349.65 | +1.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 476.85 | 466.85 | 442.45 | 417.85 | 393.35 | 368.85 | +4.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 484.05 | 472.45 | 443.25 | 414.05 | 384.95 | 355.75 | +9.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 487.85 | 476.35 | 447.35 | 417.85 | 388.85 | 359.85 | +3.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 492.45 | 480.85 | 451.65 | 422.45 | 393.35 | 364.15 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 494.65 | 483.05 | 453.85 | 424.65 | 395.55 | 366.35 | +1.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 499.25 | 487.75 | 458.75 | 429.25 | 400.25 | 371.25 | +5.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 501.25 | 491.15 | 460.75 | 435.45 | 405.10 | 374.75 | +2.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 502.95 | 491.25 | 462.15 | 432.95 | 403.75 | 374.65 | +5.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 518.65 | 506.95 | 477.75 | 448.65 | 419.45 | 390.25 | +5.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Start | 392.75 | — | — | — | — | 264.35 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Schaffhausen for a young adult aged 19 to 25 with a deductible of 500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/), the cheapest offer in [Schaffhausen](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/) is Aquilana (SMARTMED) at 361.85 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 388.65 CHF a month.

### How much does health insurance cost in Schaffhausen in 2027 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 500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/), monthly premiums run from 361.85 CHF (Aquilana, SMARTMED) to 506.95 CHF (sana24, 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: 336.25 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 371.95 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-300/) to 254.25 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-2500/): 117.70 CHF less a month, 1'412.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'869 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 500 CHF and with accident cover, the cheapest premium per model is: standard model 388.65 CHF (Sanitas), family doctor / HMO 366.15 CHF (Agrisano), flexible model 376.50 CHF (Sanitas), telemedicine 361.85 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 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 366.60 CHF at Aquilana (SMARTMED) gives 361.85 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/young-adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Schaffhausen (SH): every situation: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/
- Premiums 2027 in Schaffhausen (SH), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/
- Premiums 2027 in Schaffhausen (SH), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/child/
- Adult: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/no-accident/deductible-500/
- Deductible Premiums 2027 in Schaffhausen (SH), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Schaffhausen (SH), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Schaffhausen (SH), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Schaffhausen (SH), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Schaffhausen (SH), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/sh/schaffhausen/young-adult/with-accident/deductible-300/ — replace `sh` with your canton’s two-letter code (ge, vd, zh…), `schaffhausen` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-500` with `deductible-2500` for another deductible. Markdown version: add `.md`.