KPT or ÖKK in Region 1 of canton Schaffhausen?
In Region 1, ÖKK is CHF 279.60 a year cheaper than KPT 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, KPT to CHF 503.60. The gap is CHF 279.60 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
KPT ranks 8 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 | KPT | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 597.40 | CHF 552.00 | + 45.40 |
| 500 | CHF 585.80 | CHF 540.40 | + 45.40 |
| 1'000 | CHF 556.60 | CHF 511.20 | + 45.40 |
| 1'500 | CHF 527.40 | CHF 482.00 | + 45.40 |
| 2'000 | — | CHF 452.90 | — |
| 2'500 | CHF 469.10 | CHF 423.70 | + 45.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 503.60 | CHF 496.80 |
| Family doctor | CHF 527.00 | CHF 496.80 |
| HMO practice | CHF 527.00 | CHF 480.30 |
| Free choice of doctor | CHF 597.40 | CHF 552.00 |
How they moved in this region
Against 2025, KPT moves by + 1.9 % and ÖKK by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.