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Health insurance in the canton of Schaffhausen: 2026 premiums compared

Official basic insurance premiums — premium region Schaffhausen

CHF 442.95
Cheapest premium (CHF 300 deductible)
CHF 508.67
Average (CHF 300 deductible)
CHF 319.15
Cheapest premium (CHF 2,500 deductible)
102
Tariffs compared

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 its agglomeration, 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 health insurers in the canton of Schaffhausen

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Schaffhausen — official FOPH premiums 2026 · 07.09.2026

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Frequently asked questions — health insurance in the canton of Schaffhausen

How many premium regions does the canton of Schaffhausen have?▼
Schaffhausen is divided into two premium regions: region 1 covers the city and its surroundings, region 2 the rural municipalities. The same insurer with the same model can therefore cost a different amount depending on your municipality — what counts is the premium region of your place of residence.
Does basic insurance cover treatment in Germany?▼
As a rule, only emergencies: 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 30 November; 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.

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