Atupri or ÖKK in Region 1 of canton St. Gallen?
In Region 1, ÖKK is CHF 42.00 a year cheaper than Atupri 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 485.80 a month, Atupri to CHF 489.30. The gap is CHF 42.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to ÖKK is worth CHF 73.80 more a year. Sanitas
Where they stand in the region
Atupri ranks 10 and ÖKK ranks 7, out of 25 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 | Atupri | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 559.20 | CHF 552.00 | + 7.20 |
| 500 | CHF 547.60 | CHF 540.40 | + 7.20 |
| 1'000 | CHF 518.40 | CHF 511.20 | + 7.20 |
| 1'500 | CHF 489.20 | CHF 482.00 | + 7.20 |
| 2'000 | CHF 460.10 | CHF 452.90 | + 7.20 |
| 2'500 | CHF 430.90 | CHF 423.70 | + 7.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | ÖKK |
|---|---|---|
| Other model | CHF 489.30 | CHF 496.80 |
| HMO practice | CHF 500.50 | CHF 485.80 |
| Family doctor | CHF 512.80 | CHF 496.80 |
| Free choice of doctor | CHF 559.20 | CHF 552.00 |
How they moved in this region
Against 2025, Atupri moves by + 4.2 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.