Sanitas or ÖKK in Region 1 of canton Grisons?
In Region 1, Sanitas is CHF 118.80 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 453.60 a month, ÖKK to CHF 463.50. The gap is CHF 118.80 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 24 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Sanitas ranks 1 and ÖKK ranks 4, out of 24 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 539.90 | CHF 515.00 | + 24.90 |
| 500 | CHF 528.30 | CHF 503.40 | + 24.90 |
| 1'000 | CHF 499.10 | CHF 474.20 | + 24.90 |
| 1'500 | CHF 469.90 | CHF 445.00 | + 24.90 |
| 2'000 | CHF 440.80 | CHF 415.90 | + 24.90 |
| 2'500 | CHF 411.60 | CHF 386.70 | + 24.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Other model | CHF 453.60 | CHF 463.50 |
| Family doctor | CHF 469.70 | CHF 463.50 |
| HMO practice | CHF 491.40 | CHF 463.50 |
| Free choice of doctor | CHF 539.90 | CHF 515.00 |
How they moved in this region
Against 2025, Sanitas moves by + 3.1 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.