Sanitas or ÖKK in Region 2 of canton Zurich?

In Region 2, Sanitas is CHF 99.60 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 488.40 a month, ÖKK to CHF 496.70. The gap is CHF 99.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to Sanitas is worth CHF 246.00 more a year. Agrisano

Sanitas ranks 6 and ÖKK ranks 11, 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 567.80	CHF 558.00	+ 9.80
500	CHF 556.20	CHF 546.40	+ 9.80
1'000	CHF 527.00	CHF 517.20	+ 9.80
1'500	CHF 497.80	CHF 488.00	+ 9.80
2'000	CHF 468.70	CHF 458.90	+ 9.80
2'500	CHF 439.50	CHF 429.70	+ 9.80

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

Against 2025, Sanitas moves by + 3.8 % and ÖKK by + 6.7 % in this region.

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