Sanitas or ÖKK in Region 2 of canton Bern?
In Region 2, ÖKK is CHF 502.80 a year cheaper than Sanitas 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 503.40 a month, Sanitas to CHF 545.30. The gap is CHF 502.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to ÖKK is worth CHF 117.60 more a year. Visana
Where they stand in the region
Sanitas ranks 20 and ÖKK ranks 3, out of 26 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 | Sanitas | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 626.80 | CHF 572.00 | + 54.80 |
| 500 | CHF 615.20 | CHF 560.40 | + 54.80 |
| 1'000 | CHF 586.00 | CHF 531.20 | + 54.80 |
| 1'500 | CHF 556.80 | CHF 502.00 | + 54.80 |
| 2'000 | CHF 527.70 | CHF 472.90 | + 54.80 |
| 2'500 | CHF 498.50 | CHF 443.70 | + 54.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Family doctor | CHF 545.30 | CHF 514.80 |
| Other model | CHF 551.60 | CHF 514.80 |
| HMO practice | CHF 570.40 | CHF 503.40 |
| Free choice of doctor | CHF 626.80 | CHF 572.00 |
How they moved in this region
Against 2025, Sanitas moves by + 3.0 % and ÖKK by + 4.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.