Helsana or ÖKK?
Basic benefits are identical at Helsana and ÖKK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Neither dominates: Helsana and ÖKK split Switzerland almost evenly.
On average, Helsana costs CHF 6 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Helsana | ÖKK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 483.80 | CHF 500.30 | CHF -16.50 |
| Appenzell Innerrhoden | single | CHF 419.90 | CHF 367.20 | +CHF 52.70 |
| Appenzell Ausserrhoden | single | CHF 468.30 | CHF 436.80 | +CHF 31.50 |
| Bern | 1 | CHF 548.90 | CHF 585.20 | CHF -36.30 |
| Bern | 2 | CHF 508.30 | CHF 503.40 | +CHF 4.90 |
| Bern | 3 | CHF 483.60 | CHF 477.00 | +CHF 6.60 |
| Basel-Landschaft | 1 | CHF 572.00 | CHF 560.70 | +CHF 11.30 |
| Basel-Landschaft | 2 | CHF 531.20 | CHF 520.70 | +CHF 10.50 |
| Basel-Stadt | single | CHF 581.40 | CHF 610.80 | CHF -29.40 |
| Fribourg | 1 | CHF 501.90 | CHF 520.20 | CHF -18.30 |
| Fribourg | 2 | CHF 477.70 | CHF 477.90 | CHF -0.20 |
| Geneva | single | CHF 613.70 | CHF 656.80 | CHF -43.10 |
| Glarus | single | CHF 466.10 | CHF 477.00 | CHF -10.90 |
| Grisons | 1 | CHF 479.00 | CHF 463.50 | +CHF 15.50 |
| Grisons | 2 | CHF 453.00 | CHF 435.60 | +CHF 17.40 |
| Grisons | 3 | CHF 441.80 | CHF 425.70 | +CHF 16.10 |
| Jura | single | CHF 578.80 | CHF 601.30 | CHF -22.50 |
| Lucerne | 1 | CHF 472.00 | CHF 481.40 | CHF -9.40 |
| Lucerne | 2 | CHF 458.60 | CHF 458.50 | +CHF 0.10 |
| Lucerne | 3 | CHF 450.20 | CHF 446.20 | +CHF 4.00 |
| Neuchâtel | single | CHF 568.40 | CHF 607.50 | CHF -39.10 |
| Nidwalden | single | CHF 434.30 | CHF 427.20 | +CHF 7.10 |
| Obwalden | single | CHF 429.20 | CHF 427.20 | +CHF 2.00 |
| St. Gallen | 1 | CHF 483.60 | CHF 485.80 | CHF -2.20 |
| St. Gallen | 2 | CHF 458.60 | CHF 455.90 | +CHF 2.70 |
| St. Gallen | 3 | CHF 441.80 | CHF 447.10 | CHF -5.30 |
| Schaffhausen | 1 | CHF 486.30 | CHF 480.30 | +CHF 6.00 |
| Schaffhausen | 2 | CHF 491.30 | CHF 448.10 | +CHF 43.20 |
| Solothurn | single | CHF 506.30 | CHF 514.20 | CHF -7.90 |
| Schwyz | single | CHF 462.40 | CHF 441.80 | +CHF 20.60 |
| Thurgau | single | CHF 474.30 | CHF 464.70 | +CHF 9.60 |
| Ticino | 1 | CHF 629.10 | CHF 637.80 | CHF -8.70 |
| Ticino | 2 | CHF 565.80 | CHF 574.20 | CHF -8.40 |
| Uri | single | CHF 431.80 | CHF 413.30 | +CHF 18.50 |
| Vaud | 1 | CHF 580.10 | CHF 594.00 | CHF -13.90 |
| Vaud | 2 | CHF 560.10 | CHF 567.00 | CHF -6.90 |
| Valais | 1 | CHF 498.10 | CHF 499.50 | CHF -1.40 |
| Valais | 2 | CHF 440.30 | CHF 432.00 | +CHF 8.30 |
| Zug | single | CHF 365.50 | CHF 379.40 | CHF -13.90 |
| Zurich | 1 | CHF 533.60 | CHF 556.30 | CHF -22.70 |
| Zurich | 2 | CHF 493.80 | CHF 496.70 | CHF -2.90 |
| Zurich | 3 | CHF 464.80 | CHF 453.10 | +CHF 11.70 |
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.