CSS or ÖKK in Region 3 of canton Grisons?
In Region 3, ÖKK is CHF 22.80 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 425.70 a month, CSS to CHF 427.60. The gap is CHF 22.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to ÖKK is worth CHF 252.00 more a year. vita surselva
Where they stand in the region
CSS ranks 7 and ÖKK ranks 5, out of 24 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 503.00 | CHF 473.00 | + 30.00 |
| 500 | CHF 491.40 | CHF 461.40 | + 30.00 |
| 1'000 | CHF 462.20 | CHF 432.20 | + 30.00 |
| 1'500 | CHF 433.00 | CHF 403.00 | + 30.00 |
| 2'000 | CHF 403.90 | CHF 373.90 | + 30.00 |
| 2'500 | CHF 374.70 | CHF 344.70 | + 30.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 427.60 | CHF 425.70 |
| Other model | CHF 455.20 | CHF 425.70 |
| Free choice of doctor | CHF 503.00 | CHF 473.00 |
| HMO practice | — | CHF 425.70 |
How they moved in this region
Against 2025, CSS moves by + 7.0 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.