Visana or ÖKK in Region 3 of canton Grisons?
In Region 3, ÖKK is CHF 242.40 a year cheaper than Visana 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 425.70 a month, Visana to CHF 445.90. The gap is CHF 242.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to ÖKK is worth CHF 252.00 more a year. vita surselva
Where they stand in the region
Visana ranks 12 and ÖKK ranks 5, out of 24 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 | Visana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 530.70 | CHF 473.00 | + 57.70 |
| 500 | CHF 524.00 | CHF 461.40 | + 62.60 |
| 1'000 | CHF 489.90 | CHF 432.20 | + 57.70 |
| 1'500 | CHF 460.70 | CHF 403.00 | + 57.70 |
| 2'000 | CHF 431.50 | CHF 373.90 | + 57.60 |
| 2'500 | CHF 402.40 | CHF 344.70 | + 57.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | ÖKK |
|---|---|---|
| Family doctor | CHF 445.90 | CHF 425.70 |
| HMO practice | CHF 445.90 | CHF 425.70 |
| Other model | CHF 451.20 | CHF 425.70 |
| Free choice of doctor | CHF 530.70 | CHF 473.00 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.