Sanitas or ÖKK in Region 3 of canton Grisons?
In Region 3, ÖKK is CHF 108.60 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 425.70 a month, Sanitas to CHF 434.75. The gap is CHF 108.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to ÖKK is worth CHF 252.00 more a year. vita surselva
Where they stand in the region
Sanitas ranks 9 and ÖKK ranks 5, 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 499.70 | CHF 473.00 | + 26.70 |
| 500 | CHF 488.10 | CHF 461.40 | + 26.70 |
| 1'000 | CHF 458.90 | CHF 432.20 | + 26.70 |
| 1'500 | CHF 429.70 | CHF 403.00 | + 26.70 |
| 2'000 | CHF 400.60 | CHF 373.90 | + 26.70 |
| 2'500 | CHF 371.40 | CHF 344.70 | + 26.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Family doctor | CHF 434.75 | CHF 425.70 |
| Other model | CHF 434.80 | CHF 425.70 |
| HMO practice | CHF 454.80 | CHF 425.70 |
| Free choice of doctor | CHF 499.70 | CHF 473.00 |
How they moved in this region
Against 2025, Sanitas moves by + 4.2 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.