Sanitas or ÖKK in Region 2 of canton Schaffhausen?
In Region 2, ÖKK is CHF 435.00 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 448.10 a month, Sanitas to CHF 484.35. The gap is CHF 435.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to ÖKK is worth CHF 171.60 more a year. Agrisano
Where they stand in the region
Sanitas ranks 10 and ÖKK ranks 2, 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 556.70 | CHF 515.00 | + 41.70 |
| 500 | CHF 545.10 | CHF 503.40 | + 41.70 |
| 1'000 | CHF 515.90 | CHF 474.20 | + 41.70 |
| 1'500 | CHF 486.70 | CHF 445.00 | + 41.70 |
| 2'000 | CHF 457.60 | CHF 415.90 | + 41.70 |
| 2'500 | CHF 428.40 | CHF 386.70 | + 41.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Family doctor | CHF 484.35 | CHF 463.50 |
| Other model | CHF 501.10 | CHF 463.50 |
| HMO practice | CHF 506.60 | CHF 448.10 |
| Free choice of doctor | CHF 556.70 | CHF 515.00 |
How they moved in this region
Against 2025, Sanitas moves by + 4.5 % and ÖKK by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.