CSS or EGK in Region 3 of canton St. Gallen?
In Region 3, CSS is CHF 98.40 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 446.30 a month, EGK to CHF 454.50. The gap is CHF 98.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to CSS is worth CHF 536.40 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and EGK ranks 15, 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 | CSS | EGK | Gap |
|---|---|---|---|
| 300 | CHF 516.00 | CHF 510.60 | + 5.40 |
| 500 | CHF 504.40 | CHF 499.00 | + 5.40 |
| 1'000 | CHF 475.20 | CHF 469.80 | + 5.40 |
| 1'500 | CHF 446.00 | CHF 440.60 | + 5.40 |
| 2'000 | CHF 416.90 | CHF 411.50 | + 5.40 |
| 2'500 | CHF 387.70 | CHF 382.30 | + 5.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | EGK |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 464.70 |
| Other model | CHF 461.80 | CHF 454.50 |
| Free choice of doctor | CHF 516.00 | CHF 510.60 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and EGK by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.