Helsana or ÖKK in Region 2 of canton Grisons?
In Region 2, ÖKK is CHF 208.80 a year cheaper than Helsana 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 435.60 a month, Helsana to CHF 453.00. The gap is CHF 208.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to ÖKK is worth CHF 211.20 more a year. Agrisano
Where they stand in the region
Helsana ranks 11 and ÖKK ranks 2, 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 | Helsana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 533.00 | CHF 484.00 | + 49.00 |
| 500 | CHF 521.40 | CHF 472.40 | + 49.00 |
| 1'000 | CHF 492.20 | CHF 443.20 | + 49.00 |
| 1'500 | CHF 463.00 | CHF 414.00 | + 49.00 |
| 2'000 | CHF 433.90 | CHF 384.90 | + 49.00 |
| 2'500 | CHF 404.70 | CHF 355.70 | + 49.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Other model | CHF 453.00 | CHF 435.60 |
| Family doctor | CHF 453.00 | CHF 435.60 |
| Free choice of doctor | CHF 533.00 | CHF 484.00 |
| HMO practice | — | CHF 435.60 |
How they moved in this region
Against 2025, Helsana moves by + 0.2 % and ÖKK by + 5.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.