SWICA or ÖKK in Region 2 of canton Schaffhausen?
In Region 2, ÖKK is CHF 266.40 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 448.10 a month, SWICA to CHF 470.30. The gap is CHF 266.40 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
SWICA ranks 8 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 | SWICA | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 553.20 | CHF 515.00 | + 38.20 |
| 500 | CHF 541.60 | CHF 503.40 | + 38.20 |
| 1'000 | CHF 512.40 | CHF 474.20 | + 38.20 |
| 1'500 | CHF 483.20 | CHF 445.00 | + 38.20 |
| 2'000 | CHF 454.10 | CHF 415.90 | + 38.20 |
| 2'500 | CHF 424.90 | CHF 386.70 | + 38.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 470.30 | CHF 463.50 |
| HMO practice | CHF 473.00 | CHF 448.10 |
| Other model | CHF 520.10 | CHF 463.50 |
| Free choice of doctor | CHF 553.20 | CHF 515.00 |
How they moved in this region
Against 2025, SWICA moves by + 7.8 % and ÖKK by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.