Helsana or ÖKK in Region 2 of canton Ticino?
In Region 2, Helsana is CHF 100.80 a year cheaper than ÖKK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 565.80 a month, ÖKK to CHF 574.20. The gap is CHF 100.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Helsana is worth CHF 321.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 3 and ÖKK ranks 6, out of 21 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 658.00 | CHF 660.00 | − 2.00 |
| 500 | CHF 646.40 | CHF 648.40 | − 2.00 |
| 1'000 | CHF 617.20 | CHF 619.20 | − 2.00 |
| 1'500 | CHF 588.00 | CHF 590.00 | − 2.00 |
| 2'000 | CHF 558.90 | CHF 560.90 | − 2.00 |
| 2'500 | CHF 529.70 | CHF 531.70 | − 2.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Family doctor | CHF 565.80 | CHF 594.00 |
| Other model | CHF 572.40 | CHF 603.90 |
| Free choice of doctor | CHF 658.00 | CHF 660.00 |
| HMO practice | — | CHF 574.20 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and ÖKK by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.