CSS or ÖKK in Region 3 of canton Zurich?
In Region 3, ÖKK is CHF 231.60 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 453.10 a month, CSS to CHF 472.40. The gap is CHF 231.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to ÖKK is worth CHF 303.60 more a year. Agrisano
Where they stand in the region
CSS ranks 18 and ÖKK ranks 6, out of 27 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 559.00 | CHF 509.00 | + 50.00 |
| 500 | CHF 547.40 | CHF 497.40 | + 50.00 |
| 1'000 | CHF 518.20 | CHF 468.20 | + 50.00 |
| 1'500 | CHF 489.00 | CHF 439.00 | + 50.00 |
| 2'000 | CHF 459.90 | CHF 409.90 | + 50.00 |
| 2'500 | CHF 430.70 | CHF 380.70 | + 50.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 472.40 | CHF 458.10 |
| Other model | CHF 505.90 | CHF 465.80 |
| Free choice of doctor | CHF 559.00 | CHF 509.00 |
| HMO practice | — | CHF 453.10 |
How they moved in this region
Against 2025, CSS moves by + 4.9 % and ÖKK by + 6.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.