Sanitas or ÖKK in Region 1 of canton Zurich?

In Region 1, Sanitas is CHF 283.20 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 532.70 a month, ÖKK to CHF 556.30. The gap is CHF 283.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Sanitas is worth CHF 180.00 more a year. Atupri

Sanitas ranks 6 and ÖKK ranks 13, out of 27 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 619.40	CHF 625.00	− 5.60
500	CHF 607.80	CHF 613.40	− 5.60
1'000	CHF 578.60	CHF 584.20	− 5.60
1'500	CHF 549.40	CHF 555.00	− 5.60
2'000	CHF 520.30	CHF 525.90	− 5.60
2'500	CHF 491.10	CHF 496.70	− 5.60

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

Against 2025, Sanitas moves by + 3.2 % and ÖKK by + 5.2 % in this region.

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