ÖKK — Region 3 of canton Zurich, 2026 premiums
ÖKK covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 302.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 6 out of 27 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 476.41 a month.
What staying costs
Moving from ÖKK to Agrisano, the cheapest insurer in this region, saves CHF 303.60 a year for an adult on the same profile.
The full ÖKK table
160 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 509.00 | CHF 458.10 | CHF 453.10 | CHF 465.80 |
| 500 | CHF 497.40 | CHF 446.50 | CHF 441.50 | CHF 454.20 |
| 1'000 | CHF 468.20 | CHF 417.30 | CHF 412.30 | CHF 425.00 |
| 1'500 | CHF 439.00 | CHF 388.10 | CHF 383.10 | CHF 395.80 |
| 2'000 | CHF 409.90 | CHF 359.00 | CHF 354.00 | CHF 366.70 |
| 2'500 | CHF 380.70 | CHF 329.80 | CHF 324.80 | CHF 337.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 381.80 | CHF 343.60 | CHF 339.80 | CHF 349.40 |
| 500 | CHF 370.20 | CHF 332.00 | CHF 328.20 | CHF 337.80 |
| 1'000 | CHF 341.00 | CHF 302.80 | CHF 299.00 | CHF 308.60 |
| 1'500 | CHF 311.80 | CHF 273.60 | CHF 269.80 | CHF 279.40 |
| 2'000 | CHF 282.70 | CHF 244.50 | CHF 240.70 | CHF 250.30 |
| 2'500 | CHF 253.50 | CHF 215.30 | CHF 211.50 | CHF 221.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 112.00 | CHF 100.80 | CHF 99.70 | CHF 102.50 |
| 200 | CHF 100.40 | CHF 89.20 | CHF 88.10 | CHF 90.90 |
| 400 | CHF 88.70 | CHF 77.50 | CHF 76.40 | CHF 79.20 |
| 600 | CHF 77.00 | CHF 65.80 | CHF 64.70 | CHF 67.50 |
With or without accident cover
With accident cover: CHF 509.00 a month. Without: CHF 473.40. Dropping it saves CHF 427.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 424.60 in 2025 to CHF 302.10 — a rise of 6.7 %.
The 122 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Zurich, not to the municipality.
Aesch (ZH) · Aeugst am Albis · Affoltern am Albis · Altikon · Andelfingen · Bachenbülach · Bachs · Bassersdorf · Bauma · Benken (ZH) · Berg am Irchel · Birmensdorf (ZH) · Bonstetten · Boppelsen · Brütten · Bubikon · Buch am Irchel · Buchs (ZH) · Bäretswil · Bülach · Dachsen · Dielsdorf · Dinhard · Dorf · Dägerlen · Dällikon · Dänikon · Dättlikon · Dürnten · Eglisau · Elgg · Ellikon an der Thur · Elsau · Embrach · Fehraltorf · Feuerthalen · Fischenthal · Flaach · Flurlingen · Freienstein-Teufen · Geroldswil · Glattfelden · Gossau (ZH) · Grüningen · Hagenbuch · Hausen am Albis · Hedingen · Henggart · Hettlingen · Hinwil · Hittnau · Hochfelden · Höri · Hüntwangen · Hüttikon · Illnau-Effretikon · Kappel am Albis · Kleinandelfingen · Knonau · Langnau am Albis · Laufen-Uhwiesen · Lindau · Lufingen · Marthalen · Maschwanden · Mettmenstetten · Neerach · Neftenbach · Niederglatt · Niederhasli · Niederweningen · Nürensdorf · Oberembrach · Oberengstringen · Oberglatt · Oberrieden · Oberweningen · Obfelden · Oetwil an der Limmat · Ossingen · Otelfingen · Ottenbach · Pfungen · Pfäffikon · Rafz · Regensberg · Rheinau · Rickenbach (ZH) · Rifferswil · Rorbas · Russikon · Rüschlikon · Rüti (ZH) · Schlatt (ZH) · Schleinikon · Schöfflisdorf · Seegräben · Seuzach · Stadel · Stallikon · Stammheim · Steinmaur · Thalheim an der Thur · Truttikon · Trüllikon · Turbenthal · Uitikon · Unterengstringen · Volken · Wald (ZH) · Wasterkingen · Weiach · Weiningen (ZH) · Weisslingen · Wettswil am Albis · Wetzikon (ZH) · Wiesendangen · Wil (ZH) · Wila · Wildberg · Winkel · Zell (ZH)
The other insurers in Region 3
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 427.80 | View |
| SLKK | CHF 439.40 | View |
| rhenusana | CHF 447.90 | View |
| Sanitas | CHF 451.40 | View |
| Wädenswil | CHF 452.80 | View |
| Assura-Basis | CHF 454.00 | View |
| CONCORDIA | CHF 461.20 | View |
| Visana | CHF 462.70 | View |
| Aquilana | CHF 463.20 | View |
| SWICA | CHF 463.40 | View |
| Helsana | CHF 464.80 | View |
| Sumiswalder | CHF 465.60 | View |
| EGK | CHF 466.50 | View |
| Atupri | CHF 469.00 | View |
| Luzerner Hinterland | CHF 469.25 | View |
| Galenos | CHF 471.70 | View |
| CSS | CHF 472.40 | View |
| KPT | CHF 476.80 | View |
| Mutuel | CHF 492.60 | View |
| Vivao Sympany | CHF 497.20 | View |
| sana24 | CHF 497.70 | View |
| Avenir | CHF 502.40 | View |
| vita surselva | CHF 525.35 | View |
| Philos | CHF 528.20 | View |
| Steffisburg | CHF 528.80 | View |
| Einsiedler | CHF 558.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums.