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CSS or EGK in Region 1 of canton St. Gallen?

In Region 1, CSS is CHF 195.60 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CSS comes down to CHF 491.90 a month, EGK to CHF 508.20. The gap is CHF 195.60 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 CSS is worth CHF 147.00 more a year. Sanitas

Where they stand in the region

CSS ranks 11 and EGK ranks 17, 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.

DeductibleCSSEGKGap
300CHF 572.00CHF 577.40− 5.40
500CHF 560.40CHF 565.80− 5.40
1'000CHF 531.20CHF 536.60− 5.40
1'500CHF 502.00CHF 507.40− 5.40
2'000CHF 472.90CHF 478.30− 5.40
2'500CHF 443.70CHF 449.10− 5.40

Model by model

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

ModelCSSEGK
Family doctorCHF 491.90CHF 528.40
Other modelCHF 517.70CHF 508.20
Free choice of doctorCHF 572.00CHF 577.40

How they moved in this region

Against 2025, CSS moves by + 3.5 % and EGK by + 3.5 % in this region.

CSS, EGK, 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.