KPT or ÖKK in Region 2 of canton Schaffhausen?
In Region 2, ÖKK is CHF 250.80 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 448.10 a month, KPT to CHF 469.00. The gap is CHF 250.80 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
KPT ranks 6 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 | KPT | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 554.20 | CHF 515.00 | + 39.20 |
| 500 | CHF 542.60 | CHF 503.40 | + 39.20 |
| 1'000 | CHF 513.40 | CHF 474.20 | + 39.20 |
| 1'500 | CHF 484.20 | CHF 445.00 | + 39.20 |
| 2'000 | — | CHF 415.90 | — |
| 2'500 | CHF 425.90 | CHF 386.70 | + 39.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 469.00 | CHF 463.50 |
| Family doctor | CHF 490.30 | CHF 463.50 |
| HMO practice | CHF 490.30 | CHF 448.10 |
| Free choice of doctor | CHF 554.20 | CHF 515.00 |
How they moved in this region
Against 2025, KPT moves by + 1.9 % and ÖKK by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.