Sanitas or ÖKK in Region 1 of canton Fribourg?
In Region 1, Sanitas is CHF 197.40 a year cheaper than ÖKK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 503.75 a month, ÖKK to CHF 520.20. The gap is CHF 197.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Vivao Sympany, at CHF 501.10 a month. Moving there rather than to Sanitas is worth CHF 31.80 more a year. Vivao Sympany
Where they stand in the region
Sanitas ranks 3 and ÖKK ranks 12, 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 | Sanitas | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 579.00 | CHF 578.00 | + 1.00 |
| 500 | CHF 567.40 | CHF 566.40 | + 1.00 |
| 1'000 | CHF 538.20 | CHF 537.20 | + 1.00 |
| 1'500 | CHF 509.00 | CHF 508.00 | + 1.00 |
| 2'000 | CHF 479.90 | CHF 478.90 | + 1.00 |
| 2'500 | CHF 450.70 | CHF 449.70 | + 1.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Family doctor | CHF 503.75 | CHF 520.20 |
| Other model | CHF 521.10 | CHF 520.20 |
| HMO practice | CHF 526.90 | CHF 520.20 |
| Free choice of doctor | CHF 579.00 | CHF 578.00 |
How they moved in this region
Against 2025, Sanitas moves by + 4.6 % and ÖKK by + 5.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.