EGK or ÖKK in Region 1 of canton Grisons?
In Region 1, ÖKK is CHF 1'015.20 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 463.50 a month, EGK to CHF 548.10. The gap is CHF 1'015.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to ÖKK is worth CHF 118.80 more a year. Sanitas
Where they stand in the region
EGK ranks 22 and ÖKK ranks 4, out of 24 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 622.20 | CHF 515.00 | + 107.20 |
| 500 | CHF 610.60 | CHF 503.40 | + 107.20 |
| 1'000 | CHF 581.40 | CHF 474.20 | + 107.20 |
| 1'500 | CHF 552.20 | CHF 445.00 | + 107.20 |
| 2'000 | CHF 523.10 | CHF 415.90 | + 107.20 |
| 2'500 | CHF 493.90 | CHF 386.70 | + 107.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | EGK | ÖKK |
|---|---|---|
| Other model | CHF 548.10 | CHF 463.50 |
| Family doctor | CHF 603.60 | CHF 463.50 |
| Free choice of doctor | CHF 622.20 | CHF 515.00 |
| HMO practice | — | CHF 463.50 |
How they moved in this region
Against 2025, EGK moves by + 2.7 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.