CONCORDIA or ÖKK in Region 1 of canton St. Gallen?
In Region 1, ÖKK is CHF 10.80 a year cheaper than CONCORDIA 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, CONCORDIA to CHF 486.70. The gap is CHF 10.80 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
CONCORDIA ranks 8 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 | CONCORDIA | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 569.20 | CHF 552.00 | + 17.20 |
| 500 | CHF 557.60 | CHF 540.40 | + 17.20 |
| 1'000 | CHF 528.40 | CHF 511.20 | + 17.20 |
| 1'500 | CHF 499.20 | CHF 482.00 | + 17.20 |
| 2'000 | CHF 470.10 | CHF 452.90 | + 17.20 |
| 2'500 | CHF 440.90 | CHF 423.70 | + 17.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | ÖKK |
|---|---|---|
| HMO practice | CHF 486.70 | CHF 485.80 |
| Other model | CHF 492.40 | CHF 496.80 |
| Family doctor | CHF 506.60 | CHF 496.80 |
| Free choice of doctor | CHF 569.20 | CHF 552.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 7.2 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.