CSS or ÖKK in Region 1 of canton Schaffhausen?
In Region 1, ÖKK is CHF 657.60 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 480.30 a month, CSS to CHF 535.10. The gap is CHF 657.60 a year, 300-franc deductible, accident cover included.
What the question hides
ÖKK is also the cheapest insurer in the region, out of 23 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
CSS ranks 18 and ÖKK ranks 1, 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 615.00 | CHF 552.00 | + 63.00 |
| 500 | CHF 603.40 | CHF 540.40 | + 63.00 |
| 1'000 | CHF 574.20 | CHF 511.20 | + 63.00 |
| 1'500 | CHF 545.00 | CHF 482.00 | + 63.00 |
| 2'000 | CHF 515.90 | CHF 452.90 | + 63.00 |
| 2'500 | CHF 486.70 | CHF 423.70 | + 63.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 535.10 | CHF 496.80 |
| Other model | CHF 550.40 | CHF 496.80 |
| Free choice of doctor | CHF 615.00 | CHF 552.00 |
| HMO practice | — | CHF 480.30 |
How they moved in this region
Against 2025, CSS moves by + 8.1 % and ÖKK by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.