{
  "title": "OKP reference offers observed 6 September 2026",
  "source": "PrimAI Public Agent API via ThatDay public adapter",
  "source_documentation": "https://www.primai.ch/openapi.json",
  "record_type": "Sanitized observed reference fields; source response provenance recorded with each offer.",
  "selection": "Lowest numeric-priced offer returned by the adapter for each request; no model filter; adapter upstream limit 12",
  "limitations": [
    "All 16 responses returned tariffYear null; not a confirmed 2026 or 2027 tariff.",
    "Different insurers and sometimes models per age group; not a same-policy renewal increase.",
    "The original 2/3 September response was not found; this is a 6 September observation.",
    "queried_at records the API retrievedAt value."
  ],
  "offers": [
    {
      "postcode": "8001",
      "city": "Zürich",
      "age": 25,
      "insurer": "Assura-Basis SA",
      "model": "Standard",
      "monthly_chf": "183.30",
      "queried_at": "2026-09-06T17:22:35.443Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=8001&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "8001",
      "city": "Zürich",
      "age": 26,
      "insurer": "Sanitas",
      "model": "Telmed",
      "monthly_chf": "300.90",
      "queried_at": "2026-09-06T17:22:36.101Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=8001&age=26&deductible=2500&accident=false"
    },
    {
      "postcode": "1201",
      "city": "Genève",
      "age": 25,
      "insurer": "Mutuel Krankenversicherung AG",
      "model": "Standard",
      "monthly_chf": "294.60",
      "queried_at": "2026-09-06T17:22:35.273Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=1201&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "1201",
      "city": "Genève",
      "age": 26,
      "insurer": "Assura-Basis SA",
      "model": "Standard",
      "monthly_chf": "442.70",
      "queried_at": "2026-09-06T17:22:35.298Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=1201&age=26&deductible=2500&accident=false"
    },
    {
      "postcode": "6300",
      "city": "Zug",
      "age": 25,
      "insurer": "Agrisano",
      "model": "Standard",
      "monthly_chf": "142.30",
      "queried_at": "2026-09-06T17:22:35.320Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=6300&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "6300",
      "city": "Zug",
      "age": 26,
      "insurer": "CONCORDIA",
      "model": "HMO",
      "monthly_chf": "196.00",
      "queried_at": "2026-09-06T17:22:35.442Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=6300&age=26&deductible=2500&accident=false"
    },
    {
      "postcode": "3011",
      "city": "Bern",
      "age": 25,
      "insurer": "Visana",
      "model": "HMO",
      "monthly_chf": "193.10",
      "queried_at": "2026-09-06T17:32:00.120Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=3011&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "3011",
      "city": "Bern",
      "age": 26,
      "insurer": "Visana",
      "model": "Standard",
      "monthly_chf": "317.20",
      "queried_at": "2026-09-06T17:32:00.104Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=3011&age=26&deductible=2500&accident=false"
    },
    {
      "postcode": "1003",
      "city": "Lausanne",
      "age": 25,
      "insurer": "Philos Krankenversicherung AG",
      "model": "Standard",
      "monthly_chf": "253.20",
      "queried_at": "2026-09-06T17:32:00.703Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=1003&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "1003",
      "city": "Lausanne",
      "age": 26,
      "insurer": "Assura-Basis SA",
      "model": "Standard",
      "monthly_chf": "380.40",
      "queried_at": "2026-09-06T17:32:01.062Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=1003&age=26&deductible=2500&accident=false"
    },
    {
      "postcode": "6900",
      "city": "Lugano",
      "age": 25,
      "insurer": "CSS",
      "model": "Hausarzt",
      "monthly_chf": "255.00",
      "queried_at": "2026-09-06T17:32:01.702Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=6900&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "6900",
      "city": "Lugano",
      "age": 26,
      "insurer": "Helsana",
      "model": "Hausarzt",
      "monthly_chf": "406.90",
      "queried_at": "2026-09-06T17:32:01.679Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=6900&age=26&deductible=2500&accident=false"
    },
    {
      "postcode": "9000",
      "city": "St. Gallen",
      "age": 25,
      "insurer": "CSS",
      "model": "Hausarzt",
      "monthly_chf": "171.20",
      "queried_at": "2026-09-06T17:32:02.240Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=9000&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "9000",
      "city": "St. Gallen",
      "age": 26,
      "insurer": "Agrisano",
      "model": "Standard",
      "monthly_chf": "276.70",
      "queried_at": "2026-09-06T17:32:02.674Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=9000&age=26&deductible=2500&accident=false"
    },
    {
      "postcode": "4051",
      "city": "Basel",
      "age": 25,
      "insurer": "CSS",
      "model": "Standard",
      "monthly_chf": "271.70",
      "queried_at": "2026-09-06T17:32:02.658Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "young_adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=4051&age=25&deductible=2500&accident=false"
    },
    {
      "postcode": "4051",
      "city": "Basel",
      "age": 26,
      "insurer": "CSS",
      "model": "Standard",
      "monthly_chf": "416.30",
      "queried_at": "2026-09-06T17:32:03.226Z",
      "deductible_chf": 2500,
      "accident": false,
      "tariffYear": null,
      "age_band": "adult",
      "source_url": "https://thatday.ch/.netlify/functions/okp-premiums?plz=4051&age=26&deductible=2500&accident=false"
    }
  ],
  "reference_annual_differences_chf": {
    "8001": "1411.20",
    "1201": "1777.20",
    "6300": "644.40",
    "6900": "1822.80",
    "9000": "1266.00",
    "3011": "1489.20",
    "4051": "1735.20",
    "1003": "1526.40"
  }
}