CSS or ÖKK in Region 1 of canton Bern?
In Region 1, CSS is CHF 97.20 a year cheaper than ÖKK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CSS comes down to CHF 577.10 a month, ÖKK to CHF 585.20. The gap is CHF 97.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to CSS is worth CHF 444.00 more a year. Visana
Where they stand in the region
CSS ranks 7 and ÖKK ranks 11, out of 26 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | CSS | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 683.00 | CHF 665.00 | + 18.00 |
| 500 | CHF 671.40 | CHF 653.40 | + 18.00 |
| 1'000 | CHF 642.20 | CHF 624.20 | + 18.00 |
| 1'500 | CHF 613.00 | CHF 595.00 | + 18.00 |
| 2'000 | CHF 583.90 | CHF 565.90 | + 18.00 |
| 2'500 | CHF 554.70 | CHF 536.70 | + 18.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 577.10 | CHF 598.50 |
| Other model | CHF 614.70 | CHF 598.50 |
| Free choice of doctor | CHF 683.00 | CHF 665.00 |
| HMO practice | — | CHF 585.20 |
How they moved in this region
Against 2025, CSS moves by + 3.5 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.