Sanitas or ÖKK in Region 3 of canton Bern?
In Region 3, ÖKK is CHF 221.40 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 477.00 a month, Sanitas to CHF 495.45. The gap is CHF 221.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to ÖKK is worth CHF 354.00 more a year. Agrisano
Where they stand in the region
Sanitas ranks 11 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 569.50 | CHF 542.00 | + 27.50 |
| 500 | CHF 557.90 | CHF 530.40 | + 27.50 |
| 1'000 | CHF 528.70 | CHF 501.20 | + 27.50 |
| 1'500 | CHF 499.50 | CHF 472.00 | + 27.50 |
| 2'000 | CHF 470.40 | CHF 442.90 | + 27.50 |
| 2'500 | CHF 441.20 | CHF 413.70 | + 27.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Family doctor | CHF 495.45 | CHF 487.80 |
| Other model | CHF 512.60 | CHF 487.80 |
| HMO practice | CHF 518.30 | CHF 477.00 |
| Free choice of doctor | CHF 569.50 | CHF 542.00 |
How they moved in this region
Against 2025, Sanitas moves by + 2.0 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.