Sanitas or ÖKK in Region 1 of canton Ticino?

In Region 1, Sanitas is CHF 156.00 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 624.80 a month, ÖKK to CHF 637.80. The gap is CHF 156.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to Sanitas is worth CHF 490.80 more a year. Agrisano

Sanitas ranks 8 and ÖKK ranks 12, out of 21 active insurers in this region.

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 726.40	CHF 733.00	− 6.60
500	CHF 714.80	CHF 721.40	− 6.60
1'000	CHF 685.60	CHF 692.20	− 6.60
1'500	CHF 656.40	CHF 663.00	− 6.60
2'000	CHF 627.30	CHF 633.90	− 6.60
2'500	CHF 598.10	CHF 604.70	− 6.60

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

Against 2025, Sanitas moves by + 7.3 % and ÖKK by + 6.9 % in this region.

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