Helsana or ÖKK in Region 1 of canton Schaffhausen?
In Region 1, ÖKK is CHF 72.00 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 480.30 a month, Helsana to CHF 486.30. The gap is CHF 72.00 a year, 300-franc deductible, accident cover included.
What the question hides
ÖKK is also the cheapest insurer in the region, out of 23 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Helsana ranks 2 and ÖKK ranks 1, out of 23 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 559.00 | CHF 552.00 | + 7.00 |
| 500 | CHF 547.40 | CHF 540.40 | + 7.00 |
| 1'000 | CHF 518.20 | CHF 511.20 | + 7.00 |
| 1'500 | CHF 489.00 | CHF 482.00 | + 7.00 |
| 2'000 | CHF 459.90 | CHF 452.90 | + 7.00 |
| 2'500 | CHF 430.70 | CHF 423.70 | + 7.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Family doctor | CHF 486.30 | CHF 496.80 |
| Other model | CHF 491.90 | CHF 496.80 |
| Free choice of doctor | CHF 559.00 | CHF 552.00 |
| HMO practice | — | CHF 480.30 |
How they moved in this region
Against 2025, Helsana moves by + 3.1 % and ÖKK by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.