CSS or ÖKK in Region 2 of canton Ticino?
In Region 2, ÖKK is CHF 427.20 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 574.20 a month, CSS to CHF 609.80. The gap is CHF 427.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to ÖKK is worth CHF 422.40 more a year. Agrisano
Where they stand in the region
CSS ranks 13 and ÖKK ranks 6, out of 21 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 705.00 | CHF 660.00 | + 45.00 |
| 500 | CHF 693.40 | CHF 648.40 | + 45.00 |
| 1'000 | CHF 664.20 | CHF 619.20 | + 45.00 |
| 1'500 | CHF 635.00 | CHF 590.00 | + 45.00 |
| 2'000 | CHF 605.90 | CHF 560.90 | + 45.00 |
| 2'500 | CHF 576.70 | CHF 531.70 | + 45.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 609.80 | CHF 594.00 |
| Other model | CHF 638.00 | CHF 603.90 |
| Free choice of doctor | CHF 705.00 | CHF 660.00 |
| HMO practice | — | CHF 574.20 |
How they moved in this region
Against 2025, CSS moves by + 7.7 % and ÖKK by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.