CSS or ÖKK in Region 2 of canton Schaffhausen?
In Region 2, ÖKK is CHF 796.80 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 448.10 a month, CSS to CHF 514.50. The gap is CHF 796.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to ÖKK is worth CHF 171.60 more a year. Agrisano
Where they stand in the region
CSS ranks 19 and ÖKK ranks 2, 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 588.00 | CHF 515.00 | + 73.00 |
| 500 | CHF 576.40 | CHF 503.40 | + 73.00 |
| 1'000 | CHF 547.20 | CHF 474.20 | + 73.00 |
| 1'500 | CHF 518.00 | CHF 445.00 | + 73.00 |
| 2'000 | CHF 488.90 | CHF 415.90 | + 73.00 |
| 2'500 | CHF 459.70 | CHF 386.70 | + 73.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 514.50 | CHF 463.50 |
| Other model | CHF 523.30 | CHF 463.50 |
| Free choice of doctor | CHF 588.00 | CHF 515.00 |
| HMO practice | — | CHF 448.10 |
How they moved in this region
Against 2025, CSS moves by + 9.2 % and ÖKK by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.