Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 575.00 | CHF 500.30up to CHF 517.50 | CHF 526.20up to CHF 531.90 |
| Appenzell Inner Rhodes | CHF 422.00 | CHF 367.20up to CHF 379.80 | CHF 386.20up to CHF 390.40 |
| Appenzell Outer Rhodes | CHF 502.00 | CHF 436.80up to CHF 451.80 | CHF 459.40up to CHF 464.40 |
| Basel-City | CHF 702.00 | CHF 610.80up to CHF 631.80 | CHF 631.80up to CHF 642.40 |
| Basel-Country2 premium regions | CHF 585.00up to CHF 630.00 | CHF 520.70up to CHF 567.00 | CHF 526.50up to CHF 576.50 |
| Bern3 premium regions | CHF 542.00up to CHF 665.00 | CHF 477.00up to CHF 598.50 | CHF 487.80up to CHF 608.50 |
| Fribourg2 premium regions | CHF 531.00up to CHF 578.00 | CHF 477.90up to CHF 520.20 | CHF 477.90up to CHF 528.90 |
| Geneva | CHF 710.00 | CHF 656.80up to CHF 674.50 | CHF 656.80up to CHF 674.50 |
| Glarus | CHF 530.00 | CHF 477.00 | CHF 485.00up to CHF 490.30 |
| Graubünden3 premium regions | CHF 473.00up to CHF 515.00 | CHF 425.70up to CHF 463.50 | CHF 425.70up to CHF 471.30 |
| Jura | CHF 650.00 | CHF 601.30up to CHF 617.50 | CHF 601.30up to CHF 617.50 |
| Lucerne3 premium regions | CHF 507.00up to CHF 547.00 | CHF 446.20up to CHF 492.30 | CHF 456.30up to CHF 500.60 |
| Neuchâtel | CHF 675.00 | CHF 607.50up to CHF 641.30 | CHF 624.40up to CHF 641.30 |
| Nidwalden | CHF 491.00 | CHF 427.20up to CHF 441.90 | CHF 449.30up to CHF 454.20 |
| Obwalden | CHF 491.00 | CHF 427.20up to CHF 441.90 | CHF 449.30up to CHF 454.20 |
| Schaffhausen2 premium regions | CHF 515.00up to CHF 552.00 | CHF 448.10up to CHF 496.80 | CHF 463.50up to CHF 505.10 |
| Schwyz | CHF 502.00 | CHF 441.80up to CHF 451.80 | CHF 451.80up to CHF 459.40 |
| Solothurn | CHF 591.00 | CHF 514.20up to CHF 531.90 | CHF 540.80up to CHF 546.70 |
| St. Gallen3 premium regions | CHF 508.00up to CHF 552.00 | CHF 447.10up to CHF 496.80 | CHF 457.20up to CHF 505.10 |
| Thurgau | CHF 528.00 | CHF 464.70up to CHF 475.20 | CHF 475.20up to CHF 483.20 |
| Ticino2 premium regions | CHF 660.00up to CHF 733.00 | CHF 574.20up to CHF 659.70 | CHF 603.90up to CHF 678.10 |
| Uri | CHF 475.00 | CHF 413.30up to CHF 427.50 | CHF 434.70up to CHF 439.40 |
| Valais2 premium regions | CHF 480.00up to CHF 555.00 | CHF 432.00up to CHF 527.30 | CHF 432.00up to CHF 507.90 |
| Vaud2 premium regions | CHF 630.00up to CHF 660.00 | CHF 567.00up to CHF 627.00 | CHF 582.80up to CHF 627.00 |
| Zug | CHF 436.00 | CHF 379.40up to CHF 392.40 | CHF 399.00up to CHF 403.30 |
| Zurich3 premium regions | CHF 509.00up to CHF 625.00 | CHF 453.10up to CHF 562.50 | CHF 465.80up to CHF 578.20 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2026, opendata.swiss; localities © swisstopo; as of 25.09.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the ÖKK tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the ÖKK standard model in the same region.
Aargau
Health centre
Premium / month
500.30
CHF
Total / year
CHF 6,324
Saving
−896
CHF / year
Appenzell Inner Rhodes
Health centre
Premium / month
367.20
CHF
Total / year
CHF 4,726
Saving
−658
CHF / year
Appenzell Outer Rhodes
Health centre
Premium / month
436.80
CHF
Total / year
CHF 5,562
Saving
−782
CHF / year
Basel-City
Health centre
Premium / month
610.80
CHF
Total / year
CHF 7,650
Saving
−1,094
CHF / year
Basel-Country
Health centre · region 2
Premium / month
520.70
CHF
Total / year
CHF 6,568
Saving
−772
CHF / year
Bern
Health centre · region 3
Premium / month
477.00
CHF
Total / year
CHF 6,044
Saving
−780
CHF / year
Fribourg
GP model · region 2
Premium / month
477.90
CHF
Total / year
CHF 6,055
Saving
−637
CHF / year
Geneva
GP model
Premium / month
656.80
CHF
Total / year
CHF 8,202
Saving
−638
CHF / year
Glarus
GP model
Premium / month
477.00
CHF
Total / year
CHF 6,044
Saving
−636
CHF / year
Graubünden
GP model · region 3
Premium / month
425.70
CHF
Total / year
CHF 5,428
Saving
−568
CHF / year
Jura
GP model
Premium / month
601.30
CHF
Total / year
CHF 7,536
Saving
−584
CHF / year
Lucerne
Health centre · region 3
Premium / month
446.20
CHF
Total / year
CHF 5,674
Saving
−730
CHF / year
Neuchâtel
GP model
Premium / month
607.50
CHF
Total / year
CHF 7,610
Saving
−810
CHF / year
Nidwalden
Health centre
Premium / month
427.20
CHF
Total / year
CHF 5,446
Saving
−766
CHF / year
Obwalden
Health centre
Premium / month
427.20
CHF
Total / year
CHF 5,446
Saving
−766
CHF / year
Schaffhausen
Health centre · region 2
Premium / month
448.10
CHF
Total / year
CHF 5,697
Saving
−803
CHF / year
Schwyz
Health centre
Premium / month
441.80
CHF
Total / year
CHF 5,622
Saving
−722
CHF / year
Solothurn
Health centre
Premium / month
514.20
CHF
Total / year
CHF 6,490
Saving
−922
CHF / year
St. Gallen
Health centre · region 3
Premium / month
447.10
CHF
Total / year
CHF 5,685
Saving
−731
CHF / year
Thurgau
Health centre
Premium / month
464.70
CHF
Total / year
CHF 5,896
Saving
−760
CHF / year
Ticino
Health centre · region 2
Premium / month
574.20
CHF
Total / year
CHF 7,210
Saving
−1,030
CHF / year
Uri
Health centre
Premium / month
413.30
CHF
Total / year
CHF 5,280
Saving
−740
CHF / year
Valais
GP model · region 2
Premium / month
432.00
CHF
Total / year
CHF 5,504
Saving
−576
CHF / year
Vaud
GP model · region 2
Premium / month
567.00
CHF
Total / year
CHF 7,124
Saving
−756
CHF / year
Zug
Health centre
Premium / month
379.40
CHF
Total / year
CHF 4,873
Saving
−679
CHF / year
Zurich
Health centre · region 3
Premium / month
453.10
CHF
Total / year
CHF 5,757
Saving
−671
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 545.00 | CHF 575.00 | +5.5% | +4.7% |
| Appenzell Inner Rhodes | CHF 411.00 | CHF 422.00 | +2.7% | +3.3% |
| Appenzell Outer Rhodes | CHF 497.00 | CHF 502.00 | +1.0% | +4.2% |
| Basel-City | CHF 702.00 | CHF 702.00 | +0.0% | +1.7% |
| Basel-Country | CHF 591.00 | CHF 607.50 | +2.8% | +3.7% |
| Bern | CHF 577.67 | CHF 593.00 | +2.7% | +3.2% |
| Fribourg | CHF 544.50 | CHF 554.50 | +1.8% | +2.6% |
| Geneva | CHF 672.00 | CHF 710.00 | +5.7% | +1.0% |
| Glarus | CHF 530.00 | CHF 530.00 | +0.0% | +4.6% |
| Graubünden | CHF 467.33 | CHF 490.67 | +5.0% | +4.2% |
| Jura | CHF 620.00 | CHF 650.00 | +4.8% | +2.7% |
| Lucerne | CHF 525.00 | CHF 525.00 | +0.0% | +3.1% |
| Neuchâtel | CHF 636.00 | CHF 675.00 | +6.1% | +4.0% |
| Nidwalden | CHF 481.00 | CHF 491.00 | +2.1% | +2.4% |
| Obwalden | CHF 439.00 | CHF 491.00 | +11.8% | +4.3% |
| Schaffhausen | CHF 515.00 | CHF 533.50 | +3.6% | +2.4% |
| Schwyz | CHF 488.00 | CHF 502.00 | +2.9% | +4.0% |
| Solothurn | CHF 575.00 | CHF 591.00 | +2.8% | +4.4% |
| St. Gallen | CHF 510.00 | CHF 526.00 | +3.1% | +3.1% |
| Thurgau | CHF 491.00 | CHF 528.00 | +7.5% | +2.1% |
| Ticino | CHF 650.50 | CHF 696.50 | +7.1% | +5.7% |
| Uri | CHF 445.00 | CHF 475.00 | +6.7% | +4.6% |
| Valais | CHF 501.00 | CHF 517.50 | +3.3% | +4.2% |
| Vaud | CHF 611.00 | CHF 645.00 | +5.6% | +2.4% |
| Zug | CHF 472.00 | CHF 436.00 | −7.6% | −9.0% |
| Zurich | CHF 543.67 | CHF 564.00 | +3.7% | +3.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are ÖKK premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at ÖKK in 2026 ranges from CHF 422.00 (canton of Appenzell Inner Rhodes) to CHF 733.00 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does ÖKK offer?
In 2026, ÖKK has premiums for 3 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type and 2 tariffs of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is ÖKK more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 95.2 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2026 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- ÖKK: website (address), retrieved on 25.09.2026oekk.ch
- ÖKK: website (physician search), retrieved on 25.09.2026oekk.ch
- ÖKK: website (contact), retrieved on 25.09.2026oekk.ch