ÖKK in canton Appenzell Innerrhoden: twelve years of premiums
In canton Appenzell Innerrhoden, the lowest ÖKK premium went from CHF 253.30 a month in 2015 to CHF 367.20 in 2026 — a rise of +45.0 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 253.30 | CHF 236.30 | CHF 17.00 |
| 2016 | CHF 266.90 | CHF 249.50 | CHF 17.40 |
| 2017 | CHF 294.00 | CHF 272.50 | CHF 21.50 |
| 2018 | CHF 312.30 | CHF 282.40 | CHF 29.90 |
| 2019 | CHF 315.90 | CHF 280.20 | CHF 35.70 |
| 2020 | CHF 315.90 | CHF 285.90 | CHF 30.00 |
| 2021 | CHF 315.90 | CHF 272.10 | CHF 43.80 |
| 2022 | CHF 315.90 | CHF 278.10 | CHF 37.80 |
| 2023 | CHF 326.30 | CHF 310.60 | CHF 15.70 |
| 2024 | CHF 346.30 | CHF 329.60 | CHF 16.70 |
| 2025 | CHF 357.60 | CHF 345.60 | CHF 12.00 |
| 2026 | CHF 367.20 | CHF 353.50 | CHF 13.70 |
Faster or slower than the rest?
ÖKK rose +45.0 % over the period, against +49.6 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2017: +10.2 % in one go. The premium did not move in 2020, 2021, 2022.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
ÖKK, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.