CSS or ÖKK in Region 2 of canton Fribourg?
In Region 2, ÖKK is CHF 18.00 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 477.90 a month, CSS to CHF 479.40. The gap is CHF 18.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 450.00 a month. Moving there rather than to ÖKK is worth CHF 334.80 more a year. Agrisano
Where they stand in the region
CSS ranks 10 and ÖKK ranks 8, 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 551.00 | CHF 531.00 | + 20.00 |
| 500 | CHF 539.40 | CHF 519.40 | + 20.00 |
| 1'000 | CHF 510.20 | CHF 490.20 | + 20.00 |
| 1'500 | CHF 481.00 | CHF 461.00 | + 20.00 |
| 2'000 | CHF 451.90 | CHF 431.90 | + 20.00 |
| 2'500 | CHF 422.70 | CHF 402.70 | + 20.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 479.40 | CHF 477.90 |
| Other model | CHF 493.10 | CHF 477.90 |
| Free choice of doctor | CHF 551.00 | CHF 531.00 |
| HMO practice | — | CHF 477.90 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and ÖKK by + 5.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.