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CONCORDIA or ÖKK in Region 2 of canton St. Gallen?

In Region 2, ÖKK is CHF 1.20 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 455.90 a month, CONCORDIA to CHF 456.00. The gap is CHF 1.20 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to ÖKK is worth CHF 435.60 more a year. Agrisano

Where they stand in the region

CONCORDIA ranks 7 and ÖKK ranks 6, 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.

DeductibleCONCORDIAÖKKGap
300CHF 533.30CHF 518.00+ 15.30
500CHF 521.70CHF 506.40+ 15.30
1'000CHF 492.50CHF 477.20+ 15.30
1'500CHF 463.30CHF 448.00+ 15.30
2'000CHF 434.20CHF 418.90+ 15.30
2'500CHF 405.00CHF 389.70+ 15.30

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelCONCORDIAÖKK
HMO practiceCHF 456.00CHF 455.90
Other modelCHF 461.40CHF 466.20
Family doctorCHF 474.70CHF 466.20
Free choice of doctorCHF 533.30CHF 518.00

How they moved in this region

Against 2025, CONCORDIA moves by + 7.2 % and ÖKK by + 4.4 % in this region.

CONCORDIA, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.