Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 585.00 | CHF 509.00up to CHF 526.50 | CHF 541.20 | CHF 535.30 |
| Appenzell Inner Rhodes | CHF 436.00 | CHF 379.40up to CHF 392.40 | CHF 403.30 | CHF 399.00 |
| Appenzell Outer Rhodes | CHF 533.00 | CHF 463.80up to CHF 479.70 | CHF 493.10 | CHF 487.70 |
| Basel-City | CHF 704.00 | CHF 612.50up to CHF 633.60 | CHF 633.60 | CHF 644.20 |
| Basel-Country2 premium regions | CHF 606.00up to CHF 650.00 | CHF 539.40up to CHF 585.00 | CHF 545.40up to CHF 585.00 | CHF 554.50up to CHF 594.80 |
| Bern3 premium regions | CHF 561.00up to CHF 687.00 | CHF 493.70up to CHF 618.30 | CHF 504.90up to CHF 618.30 | CHF 513.40up to CHF 628.70 |
| Fribourg2 premium regions | CHF 551.00up to CHF 596.00 | CHF 495.90up to CHF 536.40 | CHF 495.90up to CHF 536.40 | CHF 504.20up to CHF 545.40 |
| Geneva | CHF 729.00 | CHF 674.40up to CHF 692.60 | CHF 692.60 | CHF 674.40 |
| Glarus | CHF 532.00 | CHF 478.80 | CHF 492.10 | CHF 486.80 |
| Graubünden3 premium regions | CHF 488.00up to CHF 534.00 | CHF 439.20up to CHF 480.60 | CHF 439.20up to CHF 480.60 | CHF 446.60up to CHF 488.70 |
| Jura | CHF 668.00 | CHF 617.90up to CHF 634.60 | CHF 634.60 | CHF 617.90 |
| Lucerne3 premium regions | CHF 525.00up to CHF 571.00 | CHF 462.00up to CHF 513.90 | CHF 472.50up to CHF 513.90 | CHF 480.40up to CHF 522.50 |
| Neuchâtel | CHF 685.00 | CHF 616.50up to CHF 650.80 | CHF 650.80 | CHF 633.70 |
| Nidwalden | CHF 497.00 | CHF 432.40up to CHF 447.30 | CHF 459.80 | CHF 454.80 |
| Obwalden | CHF 495.00 | CHF 430.70up to CHF 445.50 | CHF 457.90 | CHF 453.00 |
| Schaffhausen2 premium regions | CHF 539.00up to CHF 579.00 | CHF 469.00up to CHF 521.10 | CHF 485.10up to CHF 521.10 | CHF 493.20up to CHF 529.80 |
| Schwyz | CHF 516.00 | CHF 454.10up to CHF 464.40 | CHF 464.40 | CHF 472.20 |
| Solothurn | CHF 597.00 | CHF 531.40up to CHF 537.30 | CHF 552.30 | CHF 546.30 |
| St. Gallen3 premium regions | CHF 517.00up to CHF 562.00 | CHF 455.00up to CHF 505.80 | CHF 465.30up to CHF 505.80 | CHF 473.10up to CHF 514.30 |
| Thurgau | CHF 533.00 | CHF 469.10up to CHF 479.70 | CHF 479.70 | CHF 487.70 |
| Ticino2 premium regions | CHF 669.00up to CHF 744.00 | CHF 582.10up to CHF 669.60 | CHF 618.90up to CHF 688.20 | CHF 612.20up to CHF 680.80 |
| Uri | CHF 478.00 | CHF 415.90up to CHF 430.20 | CHF 442.20 | CHF 437.40 |
| Valais2 premium regions | CHF 505.00up to CHF 578.00 | CHF 454.50up to CHF 549.10 | CHF 454.50up to CHF 520.20 | CHF 462.10up to CHF 528.90 |
| Vaud2 premium regions | CHF 645.00up to CHF 678.00 | CHF 580.50up to CHF 644.10 | CHF 612.80up to CHF 644.10 | CHF 596.70up to CHF 627.20 |
| Zug | CHF 447.00 | CHF 388.90up to CHF 402.30 | CHF 413.50 | CHF 409.10 |
| Zurich3 premium regions | CHF 528.00up to CHF 672.00 | CHF 470.00up to CHF 604.80 | CHF 488.40up to CHF 621.60 | CHF 483.20up to CHF 614.90 |
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 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026
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
ÖKK CASAMED HMO
Premium / month
509.00
CHF
Total / year
CHF 6,428
Saving
−912
CHF / year
Appenzell Inner Rhodes
ÖKK CASAMED HMO
Premium / month
379.40
CHF
Total / year
CHF 4,873
Saving
−679
CHF / year
Appenzell Outer Rhodes
ÖKK CASAMED HMO
Premium / month
463.80
CHF
Total / year
CHF 5,886
Saving
−830
CHF / year
Basel-City
ÖKK CASAMED HMO
Premium / month
612.50
CHF
Total / year
CHF 7,670
Saving
−1,098
CHF / year
Basel-Country
ÖKK CASAMED HMO · region 2
Premium / month
539.40
CHF
Total / year
CHF 6,793
Saving
−799
CHF / year
Bern
ÖKK CASAMED HMO · region 3
Premium / month
493.70
CHF
Total / year
CHF 6,244
Saving
−808
CHF / year
Fribourg
ÖKK CASAMED HAUSARZT · region 2
Premium / month
495.90
CHF
Total / year
CHF 6,271
Saving
−661
CHF / year
Geneva
ÖKK CASAMED HAUSARZT
Premium / month
674.40
CHF
Total / year
CHF 8,413
Saving
−655
CHF / year
Glarus
ÖKK CASAMED HAUSARZT
Premium / month
478.80
CHF
Total / year
CHF 6,066
Saving
−638
CHF / year
Graubünden
ÖKK CASAMED HAUSARZT · region 3
Premium / month
439.20
CHF
Total / year
CHF 5,590
Saving
−586
CHF / year
Jura
ÖKK CASAMED HAUSARZT
Premium / month
617.90
CHF
Total / year
CHF 7,735
Saving
−601
CHF / year
Lucerne
ÖKK CASAMED HMO · region 3
Premium / month
462.00
CHF
Total / year
CHF 5,864
Saving
−756
CHF / year
Neuchâtel
ÖKK CASAMED HAUSARZT
Premium / month
616.50
CHF
Total / year
CHF 7,718
Saving
−822
CHF / year
Nidwalden
ÖKK CASAMED HMO
Premium / month
432.40
CHF
Total / year
CHF 5,509
Saving
−775
CHF / year
Obwalden
ÖKK CASAMED HMO
Premium / month
430.70
CHF
Total / year
CHF 5,488
Saving
−772
CHF / year
Schaffhausen
ÖKK CASAMED HMO · region 2
Premium / month
469.00
CHF
Total / year
CHF 5,948
Saving
−840
CHF / year
Schwyz
ÖKK CASAMED HMO
Premium / month
454.10
CHF
Total / year
CHF 5,769
Saving
−743
CHF / year
Solothurn
ÖKK CASAMED HMO
Premium / month
531.40
CHF
Total / year
CHF 6,697
Saving
−787
CHF / year
St. Gallen
ÖKK CASAMED HMO · region 3
Premium / month
455.00
CHF
Total / year
CHF 5,780
Saving
−744
CHF / year
Thurgau
ÖKK CASAMED HMO
Premium / month
469.10
CHF
Total / year
CHF 5,949
Saving
−767
CHF / year
Ticino
ÖKK CASAMED HMO · region 2
Premium / month
582.10
CHF
Total / year
CHF 7,305
Saving
−1,043
CHF / year
Uri
ÖKK CASAMED HMO
Premium / month
415.90
CHF
Total / year
CHF 5,311
Saving
−745
CHF / year
Valais
ÖKK CASAMED HAUSARZT · region 2
Premium / month
454.50
CHF
Total / year
CHF 5,774
Saving
−606
CHF / year
Vaud
ÖKK CASAMED HAUSARZT · region 2
Premium / month
580.50
CHF
Total / year
CHF 7,286
Saving
−774
CHF / year
Zug
ÖKK CASAMED HMO
Premium / month
388.90
CHF
Total / year
CHF 4,987
Saving
−697
CHF / year
Zurich
ÖKK CASAMED HMO · region 3
Premium / month
470.00
CHF
Total / year
CHF 5,960
Saving
−696
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 575.00 | CHF 585.00 | +1.7% | +4.8% |
| Appenzell Inner Rhodes | CHF 422.00 | CHF 436.00 | +3.3% | +4.4% |
| Appenzell Outer Rhodes | CHF 502.00 | CHF 533.00 | +6.2% | +4.7% |
| Basel-City | CHF 702.00 | CHF 704.00 | +0.3% | +3.7% |
| Basel-Country | CHF 607.50 | CHF 628.00 | +3.4% | +4.0% |
| Bern | CHF 593.00 | CHF 612.67 | +3.3% | +3.9% |
| Fribourg | CHF 554.50 | CHF 573.50 | +3.4% | +3.9% |
| Geneva | CHF 710.00 | CHF 729.00 | +2.7% | +1.9% |
| Glarus | CHF 530.00 | CHF 532.00 | +0.4% | +3.9% |
| Graubünden | CHF 490.67 | CHF 510.67 | +4.1% | +3.7% |
| Jura | CHF 650.00 | CHF 668.00 | +2.8% | +4.8% |
| Lucerne | CHF 525.00 | CHF 545.33 | +3.9% | +4.5% |
| Neuchâtel | CHF 675.00 | CHF 685.00 | +1.5% | +3.3% |
| Nidwalden | CHF 491.00 | CHF 497.00 | +1.2% | +4.2% |
| Obwalden | CHF 491.00 | CHF 495.00 | +0.8% | +3.8% |
| Schaffhausen | CHF 533.50 | CHF 559.00 | +4.8% | +4.5% |
| Schwyz | CHF 502.00 | CHF 516.00 | +2.8% | +3.9% |
| Solothurn | CHF 591.00 | CHF 597.00 | +1.0% | +4.8% |
| St. Gallen | CHF 526.00 | CHF 535.33 | +1.8% | +3.9% |
| Thurgau | CHF 528.00 | CHF 533.00 | +0.9% | +4.6% |
| Ticino | CHF 696.50 | CHF 706.50 | +1.4% | +4.0% |
| Uri | CHF 475.00 | CHF 478.00 | +0.6% | +4.1% |
| Valais | CHF 517.50 | CHF 541.50 | +4.6% | +3.6% |
| Vaud | CHF 645.00 | CHF 661.50 | +2.6% | +2.6% |
| Zug | CHF 436.00 | CHF 447.00 | +2.5% | +2.8% |
| Zurich | CHF 564.00 | CHF 593.33 | +5.2% | +4.8% |
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 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at ÖKK in 2027 ranges from CHF 436.00 (canton of Appenzell Inner Rhodes) to CHF 744.00 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does ÖKK offer?
In 2027, ÖKK has premiums for 4 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type, 1 tariff of the Flex type and 1 tariff 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 2027 index is 94.2 (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 2011–2027 (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