Skip to content
Sophie

SWICA or ÖKK in Region 1 of canton Schaffhausen?

In Region 1, ÖKK is CHF 368.40 a year cheaper than SWICA 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 480.30 a month, SWICA to CHF 511.00. The gap is CHF 368.40 a year, 300-franc deductible, accident cover included.

What the question hides

ÖKK is also the cheapest insurer in the region, out of 23 active insurers. Duel and ranking give the same answer here.

Where they stand in the region

SWICA ranks 11 and ÖKK ranks 1, 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.

DeductibleSWICAÖKKGap
300CHF 601.10CHF 552.00+ 49.10
500CHF 589.50CHF 540.40+ 49.10
1'000CHF 560.30CHF 511.20+ 49.10
1'500CHF 531.10CHF 482.00+ 49.10
2'000CHF 502.00CHF 452.90+ 49.10
2'500CHF 472.80CHF 423.70+ 49.10

Model by model

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

ModelSWICAÖKK
Family doctorCHF 511.00CHF 496.80
HMO practiceCHF 514.00CHF 480.30
Other modelCHF 565.10CHF 496.80
Free choice of doctorCHF 601.10CHF 552.00

How they moved in this region

Against 2025, SWICA moves by + 7.8 % and ÖKK by + 3.0 % in this region.

SWICA, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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