Helsana or ÖKK in Region 2 of canton Vaud?
In Region 2, Helsana is CHF 82.80 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 560.10 a month, ÖKK to CHF 567.00. The gap is CHF 82.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to Helsana is worth CHF 273.60 more a year. Assura-Basis
Where they stand in the region
Helsana ranks 10 and ÖKK ranks 16, 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 659.00 | CHF 630.00 | + 29.00 |
| 500 | CHF 647.40 | CHF 618.40 | + 29.00 |
| 1'000 | CHF 618.20 | CHF 589.20 | + 29.00 |
| 1'500 | CHF 589.00 | CHF 560.00 | + 29.00 |
| 2'000 | CHF 559.90 | CHF 530.90 | + 29.00 |
| 2'500 | CHF 530.70 | CHF 501.70 | + 29.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Other model | CHF 560.10 | CHF 582.80 |
| Family doctor | CHF 560.10 | CHF 567.00 |
| Free choice of doctor | CHF 659.00 | CHF 630.00 |
| HMO practice | — | CHF 598.50 |
How they moved in this region
Against 2025, Helsana moves by + 7.5 % and ÖKK by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.