CSS or ÖKK in Region 1 of canton Valais?
In Region 1, ÖKK is CHF 2.40 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 499.50 a month, CSS to CHF 499.70. The gap is CHF 2.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to ÖKK is worth CHF 219.60 more a year. Atupri
Where they stand in the region
CSS ranks 10 and ÖKK ranks 9, out of 26 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 581.00 | CHF 555.00 | + 26.00 |
| 500 | CHF 569.40 | CHF 543.40 | + 26.00 |
| 1'000 | CHF 540.20 | CHF 514.20 | + 26.00 |
| 1'500 | CHF 511.00 | CHF 485.00 | + 26.00 |
| 2'000 | CHF 481.90 | CHF 455.90 | + 26.00 |
| 2'500 | CHF 452.70 | CHF 426.70 | + 26.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 499.70 | CHF 499.50 |
| Other model | CHF 520.00 | CHF 499.50 |
| Free choice of doctor | CHF 581.00 | CHF 555.00 |
| HMO practice | — | CHF 527.30 |
How they moved in this region
Against 2025, CSS moves by + 4.8 % and ÖKK by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.