Visana or ÖKK in Region 2 of canton Schaffhausen?
In Region 2, ÖKK is CHF 85.20 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 448.10 a month, Visana to CHF 455.20. The gap is CHF 85.20 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
Visana ranks 4 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 | Visana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 548.40 | CHF 515.00 | + 33.40 |
| 500 | CHF 541.70 | CHF 503.40 | + 38.30 |
| 1'000 | CHF 507.60 | CHF 474.20 | + 33.40 |
| 1'500 | CHF 478.40 | CHF 445.00 | + 33.40 |
| 2'000 | CHF 449.20 | CHF 415.90 | + 33.30 |
| 2'500 | CHF 420.10 | CHF 386.70 | + 33.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | ÖKK |
|---|---|---|
| Other model | CHF 455.20 | CHF 463.50 |
| Family doctor | CHF 482.60 | CHF 463.50 |
| HMO practice | CHF 482.60 | CHF 448.10 |
| Free choice of doctor | CHF 548.40 | CHF 515.00 |
How they moved in this region
Against 2025, Visana moves by + 3.5 % and ÖKK by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.