CSS or ÖKK in Region 1 of canton Fribourg?
In Region 1, ÖKK is CHF 21.60 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 520.20 a month, CSS to CHF 522.00. The gap is CHF 21.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Vivao Sympany, at CHF 501.10 a month. Moving there rather than to ÖKK is worth CHF 229.20 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and ÖKK ranks 12, out of 23 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 607.00 | CHF 578.00 | + 29.00 |
| 500 | CHF 595.40 | CHF 566.40 | + 29.00 |
| 1'000 | CHF 566.20 | CHF 537.20 | + 29.00 |
| 1'500 | CHF 537.00 | CHF 508.00 | + 29.00 |
| 2'000 | CHF 507.90 | CHF 478.90 | + 29.00 |
| 2'500 | CHF 478.70 | CHF 449.70 | + 29.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 520.20 |
| Other model | CHF 546.30 | CHF 520.20 |
| Free choice of doctor | CHF 607.00 | CHF 578.00 |
| HMO practice | — | CHF 520.20 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and ÖKK by + 5.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.