Helsana or ÖKK in Region 2 of canton Schaffhausen?
In Region 2, ÖKK is CHF 518.40 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 448.10 a month, Helsana to CHF 491.30. The gap is CHF 518.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to ÖKK is worth CHF 171.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 14 and ÖKK ranks 2, 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 578.00 | CHF 515.00 | + 63.00 |
| 500 | CHF 566.40 | CHF 503.40 | + 63.00 |
| 1'000 | CHF 537.20 | CHF 474.20 | + 63.00 |
| 1'500 | CHF 508.00 | CHF 445.00 | + 63.00 |
| 2'000 | CHF 478.90 | CHF 415.90 | + 63.00 |
| 2'500 | CHF 449.70 | CHF 386.70 | + 63.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Other model | CHF 491.30 | CHF 463.50 |
| Family doctor | CHF 491.30 | CHF 463.50 |
| Free choice of doctor | CHF 578.00 | CHF 515.00 |
| HMO practice | — | CHF 448.10 |
How they moved in this region
Against 2025, Helsana moves by + 5.7 % and ÖKK by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.