Health insurance in the canton of Schaffhausen: 2027 premiums compared

Calculate 2027 premiums in the canton of Schaffhausen

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According to the FOPH, the average health insurance premium in the canton of Schaffhausen rises by 6.4% in 2027 to CHF 401.20 a month (adults aged 26 and over: CHF 470.60, +5.9%).

Average monthly premium 2027 in the canton of Schaffhausen according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 401.20+6.4%
Adults (26 and over)CHF 470.60+5.9%
Young adults (19 to 25)CHF 329.30+6.5%
Children (up to 18)CHF 119.60+5.3%

Source: FOPH, average premiums by canton 2027 across all age groups and by age group (PDFs in German, French and Italian), published on . Averages over all insured persons in the canton or in the age group concerned, including optional deductibles and models, rounded.

2027 health insurance premiums in the canton of Schaffhausen: our comparison

A different measure from the FOPH average, which covers all age groups, deductibles and models: these are concrete tariffs of the health insurers in our comparison for one reference profile with a CHF 300 or CHF 2,500 deductible (stated with each figure).

Basic insurance premiums according to the FOPH, less the redistribution of environmental levies — premium region Schaffhausen

In our comparison, the cheapest basic insurance in the canton of Schaffhausen costs CHF 517.55 a month in 2027; the average across 23 tariffs compared is CHF 575.87 (adult born 1990, CHF 300 deductible, with accident cover, premium region Schaffhausen).

Cheapest premium (CHF 300 deductible)
CHF 517.55
Average (CHF 300 deductible)
CHF 575.87
Cheapest premium (CHF 2,500 deductible)
CHF 389.25
Tariffs compared
23
Change compared with 2026:
  • Cheapest premium: +CHF 20.40 (+4.1%)
  • Average: +CHF 39.49 (+7.4%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 20.40 (+5.5%)

Schaffhausen is the northernmost canton of Switzerland and is almost entirely surrounded by Germany. The canton is divided into two premium regions: the city of Schaffhausen with Neuhausen am Rheinfall, and the rural municipalities in areas such as the Klettgau or the Reiat plateau. Inpatient care is provided mainly by the cantonal hospital in Schaffhausen; the border location also raises questions for many households about treatment in Germany.

The cheapest tariffs in our comparison (canton of Schaffhausen)

CONCORDIA
HMO
HMO
CHF 517.55
+CHF 20.40 (+4.1%)
CONCORDIA
smartDoc
Telmed / other
CHF 520.55
+CHF 23.40 (+4.7%)
SWICA
Favorit Start
Telmed / other
CHF 525.05
new to the list
CONCORDIA
MyDoc
Family doctor model
CHF 526.55
new to the list
SWICA
Favorit Medpharm
Telmed / other
CHF 544.25
new to the list

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Schaffhausen — FOPH premiums 2027, less the redistribution of environmental levies · 12.11.2026

Health insurers that are not in our comparison are also missing from the figures on this page.

Premiums for all 26 cantons in one table →

Which municipalities are in premium region 1?

Only the city of Schaffhausen and Neuhausen am Rheinfall belong to premium region 1. All other 24 municipalities form region 2, including Beringen, Thayngen, Stein am Rhein, Neunkirch and Hallau. The assignment of municipalities in the ordinance of the Federal Department of Home Affairs is binding; the postcode is only a search aid.

Sources: BAG: Prämienregionen (gültig ab 1.1.2027) · FOPH: Health insurance: Premium regions

Who checks whether you are insured in the canton of Schaffhausen?

In the canton of Schaffhausen, your municipality of residence checks compliance with the obligation to be insured and assigns people without insurance to a health insurer. Anyone moving to Switzerland is asked in writing by the municipality to submit proof of insurance or an application for exemption within 60 days. If the documents are still missing 30 days after the reminder, assignment to a health insurer follows. Send applications for exemption to SVA Schaffhausen (the cantonal social insurance office).

Sources: Kanton Schaffhausen: Verordnung über den Vollzug des KVG (SHR 832.111) · BAG: Zuständige kantonale Stellen für Gesuche um Befreiung

Hospital in Winterthur or Zurich: what does basic insurance pay?

Besides the Kantonsspital Schaffhausen (the cantonal hospital), the Schaffhausen hospital list for acute somatic care also includes the Kantonsspital Winterthur, the Spital Bülach, University Hospital Zurich and the Universitäts-Kinderspital Zürich (University Children’s Hospital Zurich). Among the hospitals on this list for your treatment, you choose freely. If a hospital is only on another canton’s list, the health insurer and the canton pay at most the tariff of a listed Schaffhausen hospital, unless there is a medical necessity.

Sources: Kanton Schaffhausen: Spitalliste Akutsomatik, Version 2026.1.0 · Kanton Schaffhausen: Medienmitteilung Spitallisten 2024 · Kanton Schaffhausen: Spitallisten 2024, Festsetzung

How much could you save?

Calculate your personal premium in two minutes — Schaffhausen is already pre-filled as the place of residence and can be changed. Free and without obligation.

Calculate premiums in the canton of Schaffhausen →

Frequently asked questions — health insurance in the canton of Schaffhausen

How much do premiums rise in 2027 in the canton of Schaffhausen?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Schaffhausen rises by 6.4% in 2027 to CHF 401.20 (2026: CHF 377.10). For adults aged 26 and over it is CHF 470.60 (+5.9%), for young adults aged 19 to 25 CHF 329.30 (+6.5%) and for children up to 18 CHF 119.60 (+5.3%). These are averages over all insured persons in the canton, including optional deductibles and models (FOPH, 29.09.2026). Your own premium depends on your premium region, age, insurer, deductible and model.
Which health insurer is cheapest in the canton of Schaffhausen in 2027?▼
In our comparison, basic insurance for adults starts at CHF 389.25 per month (CHF 2,500 deductible, with accident cover, premium region Schaffhausen). The cheapest tariffs with a CHF 300 deductible are further up this page. Our comparison does not show all health insurers; all premiums are available from the FOPH at priminfo.admin.ch.
Does basic insurance cover treatment in Germany?▼
As a rule, only if the treatment becomes medically necessary during a stay there: basic insurance covers planned treatment abroad only in exceptional cases or under special cross-border programmes. Before any planned treatment across the border, always clarify with your insurer first whether it will pay and at what tariff.
Until when can I switch health insurer in Schaffhausen?▼
Your cancellation of basic insurance must reach your current insurer by Monday, 30 November 2026; the switch takes effect on 1 January. The insurance year ends on 31 December. When comparing, make sure your municipality is recorded correctly — with two premium regions, this makes a difference in the canton of Schaffhausen.

Sources

Official data behind the figures on this page (external links).

All health insurers and cantons

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