CSS or ÖKK in Region 1 of canton Vaud?
In Region 1, CSS is CHF 217.20 a year cheaper than ÖKK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CSS comes down to CHF 575.90 a month, ÖKK to CHF 594.00. The gap is CHF 217.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to CSS is worth CHF 69.60 more a year. Atupri
Where they stand in the region
CSS ranks 3 and ÖKK ranks 11, 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 698.00 | CHF 660.00 | + 38.00 |
| 500 | CHF 686.40 | CHF 648.40 | + 38.00 |
| 1'000 | CHF 657.20 | CHF 619.20 | + 38.00 |
| 1'500 | CHF 628.00 | CHF 590.00 | + 38.00 |
| 2'000 | CHF 598.90 | CHF 560.90 | + 38.00 |
| 2'500 | CHF 569.70 | CHF 531.70 | + 38.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 575.90 | CHF 594.00 |
| Other model | CHF 638.70 | CHF 610.50 |
| Free choice of doctor | CHF 698.00 | CHF 660.00 |
| HMO practice | — | CHF 627.00 |
How they moved in this region
Against 2025, CSS moves by + 1.7 % and ÖKK by + 2.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.