EGK or ÖKK?
Basic benefits are identical at EGK and ÖKK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
ÖKK is cheaper in 34 of 42 premium regions.
On average, ÖKK costs CHF 231 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | EGK | ÖKK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 481.70 | CHF 500.30 | CHF -18.60 |
| Appenzell Innerrhoden | single | CHF 426.30 | CHF 367.20 | +CHF 59.10 |
| Appenzell Ausserrhoden | single | CHF 447.90 | CHF 436.80 | +CHF 11.10 |
| Bern | 1 | CHF 603.40 | CHF 585.20 | +CHF 18.20 |
| Bern | 2 | CHF 511.70 | CHF 503.40 | +CHF 8.30 |
| Bern | 3 | CHF 491.10 | CHF 477.00 | +CHF 14.10 |
| Basel-Landschaft | 1 | CHF 638.60 | CHF 560.70 | +CHF 77.90 |
| Basel-Landschaft | 2 | CHF 548.10 | CHF 520.70 | +CHF 27.40 |
| Basel-Stadt | single | CHF 649.00 | CHF 610.80 | +CHF 38.20 |
| Fribourg | 1 | CHF 540.30 | CHF 520.20 | +CHF 20.10 |
| Fribourg | 2 | CHF 478.10 | CHF 477.90 | +CHF 0.20 |
| Geneva | single | CHF 641.10 | CHF 656.80 | CHF -15.70 |
| Glarus | single | CHF 482.30 | CHF 477.00 | +CHF 5.30 |
| Grisons | 1 | CHF 548.10 | CHF 463.50 | +CHF 84.60 |
| Grisons | 2 | CHF 514.80 | CHF 435.60 | +CHF 79.20 |
| Grisons | 3 | CHF 467.90 | CHF 425.70 | +CHF 42.20 |
| Jura | single | CHF 655.90 | CHF 601.30 | +CHF 54.60 |
| Lucerne | 1 | CHF 491.60 | CHF 481.40 | +CHF 10.20 |
| Lucerne | 2 | CHF 451.20 | CHF 458.50 | CHF -7.30 |
| Lucerne | 3 | CHF 445.80 | CHF 446.20 | CHF -0.40 |
| Neuchâtel | single | CHF 623.00 | CHF 607.50 | +CHF 15.50 |
| Nidwalden | single | CHF 419.60 | CHF 427.20 | CHF -7.60 |
| Obwalden | single | CHF 425.50 | CHF 427.20 | CHF -1.70 |
| St. Gallen | 1 | CHF 508.20 | CHF 485.80 | +CHF 22.40 |
| St. Gallen | 2 | CHF 457.80 | CHF 455.90 | +CHF 1.90 |
| St. Gallen | 3 | CHF 454.50 | CHF 447.10 | +CHF 7.40 |
| Schaffhausen | 1 | CHF 517.00 | CHF 480.30 | +CHF 36.70 |
| Schaffhausen | 2 | CHF 486.80 | CHF 448.10 | +CHF 38.70 |
| Solothurn | single | CHF 516.60 | CHF 514.20 | +CHF 2.40 |
| Schwyz | single | CHF 448.60 | CHF 441.80 | +CHF 6.80 |
| Thurgau | single | CHF 468.00 | CHF 464.70 | +CHF 3.30 |
| Ticino | 1 | CHF 632.90 | CHF 637.80 | CHF -4.90 |
| Ticino | 2 | CHF 584.90 | CHF 574.20 | +CHF 10.70 |
| Uri | single | CHF 425.20 | CHF 413.30 | +CHF 11.90 |
| Vaud | 1 | CHF 626.40 | CHF 594.00 | +CHF 32.40 |
| Vaud | 2 | CHF 554.30 | CHF 567.00 | CHF -12.70 |
| Valais | 1 | CHF 530.40 | CHF 499.50 | +CHF 30.90 |
| Valais | 2 | CHF 472.60 | CHF 432.00 | +CHF 40.60 |
| Zug | single | CHF 395.80 | CHF 379.40 | +CHF 16.40 |
| Zurich | 1 | CHF 571.30 | CHF 556.30 | +CHF 15.00 |
| Zurich | 2 | CHF 517.10 | CHF 496.70 | +CHF 20.40 |
| Zurich | 3 | CHF 466.50 | CHF 453.10 | +CHF 13.40 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.