EGK or ÖKK in Region 3 of canton Bern?
In Region 3, ÖKK is CHF 169.20 a year cheaper than EGK 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 477.00 a month, EGK to CHF 491.10. The gap is CHF 169.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to ÖKK is worth CHF 354.00 more a year. Agrisano
Where they stand in the region
EGK ranks 10 and ÖKK ranks 3, 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 | EGK | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 571.00 | CHF 542.00 | + 29.00 |
| 500 | CHF 559.30 | CHF 530.40 | + 28.90 |
| 1'000 | CHF 530.20 | CHF 501.20 | + 29.00 |
| 1'500 | CHF 501.00 | CHF 472.00 | + 29.00 |
| 2'000 | CHF 471.80 | CHF 442.90 | + 28.90 |
| 2'500 | CHF 442.70 | CHF 413.70 | + 29.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | EGK | ÖKK |
|---|---|---|
| Other model | CHF 491.10 | CHF 487.80 |
| Family doctor | CHF 510.90 | CHF 487.80 |
| Free choice of doctor | CHF 571.00 | CHF 542.00 |
| HMO practice | — | CHF 477.00 |
How they moved in this region
Against 2025, EGK moves by + 4.0 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.