Key points at a glance
This page is written for residents of Ramsen, in the canton of Schaffhausen, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Ramsen, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 2 of the canton of Schaffhausen), never on your health: for basic insurance, every insurer must accept you. Ramsen has roughly 1’469 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Ramsen, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Buch (2 km), Hemishofen (3 km), Diessenhofen (4 km).
Ramsen at a glance: your local context
Ramsen, a municipality of roughly 1’469 residents in the canton of Schaffhausen, has its own profile when it comes to health insurance. Ramsen lies in premium region 2 of the canton of Schaffhausen (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’469
- Canton: Schaffhausen
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 8262
- Federal municipality number (BFS): 2963
Applying for premium subsidies around Ramsen: compare neighbouring municipalities
Living or working near Ramsen? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Applying for premium subsidies in Buch — 2.2 km away
- Applying for premium subsidies in Hemishofen — 3.3 km away
- Applying for premium subsidies in Diessenhofen — 4.2 km away
- Applying for premium subsidies in Basadingen-Schlattingen — 5.2 km away
- Applying for premium subsidies in Wagenhausen — 5.8 km away
- Applying for premium subsidies in Dörflingen — 6.0 km away
- Applying for premium subsidies in Stein am Rhein — 6.3 km away
- Applying for premium subsidies in Stammheim — 7.1 km away
- Applying for premium subsidies in Eschenz — 7.4 km away
- Applying for premium subsidies in Schlatt — 9.3 km away
Health insurance premiums 2026 in Ramsen: the real numbers
In Ramsen, an adult with a 300 CHF deductible pays between 434 and 611 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’128 francs a year. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 434 – 611 CHF | from 323 CHF |
| Young adults (19–25) | 317 – 471 CHF | from 206 CHF |
| Children (0–18) | 30 – 134 CHF | — |
That is exactly what our comparison does: it ranks the 75 insurers active in Ramsen from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Ramsen: choosing insurer, deductible and model
Three decisions drive your premium in Ramsen. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Ramsen starts as low as 323 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Schaffhausen — many households leave this reduction unused.
Checklist for Ramsen
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Schaffhausen.
Free premium comparison for Ramsen →
How we work for Ramsen
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Schaffhausen. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Ramsen this difference is measurable: 434–611 francs a month for adults, i.e. up to 2’128 francs a year across 75 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Ramsen (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Ramsen?
In Ramsen (postal code 8262), the 2026 adult basic-insurance premium ranges from 434 to 611 francs a month depending on the insurer (deductible 300), from 317 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’128 francs a year (FOPH premium region 2 of the canton of Schaffhausen). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Ramsen have the same premiums?
Not necessarily. Ramsen and nearby municipalities such as Buch (2 km), Hemishofen (3 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Ramsen?
No. It explains the insurance and tax concepts for residents of Ramsen (canton of Schaffhausen). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Ramsen with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Ramsen follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.