SWICA or ÖKK in Region 2 of canton Valais?
In Region 2, ÖKK is CHF 196.80 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 432.00 a month, SWICA to CHF 448.40. The gap is CHF 196.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to ÖKK is worth CHF 308.40 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and ÖKK ranks 6, out of 28 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 515.30 | CHF 480.00 | + 35.30 |
| 500 | CHF 503.70 | CHF 468.40 | + 35.30 |
| 1'000 | CHF 474.50 | CHF 439.20 | + 35.30 |
| 1'500 | CHF 445.30 | CHF 410.00 | + 35.30 |
| 2'000 | CHF 416.20 | CHF 380.90 | + 35.30 |
| 2'500 | CHF 387.00 | CHF 351.70 | + 35.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 448.40 | CHF 432.00 |
| Other model | CHF 474.10 | CHF 432.00 |
| Free choice of doctor | CHF 515.30 | CHF 480.00 |
| HMO practice | — | CHF 456.00 |
How they moved in this region
Against 2025, SWICA moves by + 1.5 % and ÖKK by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.