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Sanitas or ÖKK in Region 2 of canton Grisons?

In Region 2, ÖKK is CHF 152.40 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 435.60 a month, Sanitas to CHF 448.30. The gap is CHF 152.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to ÖKK is worth CHF 211.20 more a year. Agrisano

Where they stand in the region

Sanitas ranks 7 and ÖKK ranks 2, 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.

DeductibleSanitasÖKKGap
300CHF 515.30CHF 484.00+ 31.30
500CHF 503.70CHF 472.40+ 31.30
1'000CHF 474.50CHF 443.20+ 31.30
1'500CHF 445.30CHF 414.00+ 31.30
2'000CHF 416.20CHF 384.90+ 31.30
2'500CHF 387.00CHF 355.70+ 31.30

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasÖKK
Family doctorCHF 448.30CHF 435.60
Other modelCHF 448.40CHF 435.60
HMO practiceCHF 469.00CHF 435.60
Free choice of doctorCHF 515.30CHF 484.00

How they moved in this region

Against 2025, Sanitas moves by + 4.2 % and ÖKK by + 5.4 % in this region.

Sanitas, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.