CSS or ÖKK in Region 1 of canton St. Gallen?
In Region 1, ÖKK is CHF 73.20 a year cheaper than CSS 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, CSS to CHF 491.90. The gap is CHF 73.20 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
CSS ranks 11 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 | CSS | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 572.00 | CHF 552.00 | + 20.00 |
| 500 | CHF 560.40 | CHF 540.40 | + 20.00 |
| 1'000 | CHF 531.20 | CHF 511.20 | + 20.00 |
| 1'500 | CHF 502.00 | CHF 482.00 | + 20.00 |
| 2'000 | CHF 472.90 | CHF 452.90 | + 20.00 |
| 2'500 | CHF 443.70 | CHF 423.70 | + 20.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 491.90 | CHF 496.80 |
| Other model | CHF 517.70 | CHF 496.80 |
| Free choice of doctor | CHF 572.00 | CHF 552.00 |
| HMO practice | — | CHF 485.80 |
How they moved in this region
Against 2025, CSS moves by + 3.5 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.