CSS or ÖKK in Region 3 of canton St. Gallen?
In Region 3, CSS is CHF 9.60 a year cheaper than ÖKK 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, ÖKK to CHF 447.10. The gap is CHF 9.60 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 ÖKK ranks 12, 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 516.00 | CHF 508.00 | + 8.00 |
| 500 | CHF 504.40 | CHF 496.40 | + 8.00 |
| 1'000 | CHF 475.20 | CHF 467.20 | + 8.00 |
| 1'500 | CHF 446.00 | CHF 438.00 | + 8.00 |
| 2'000 | CHF 416.90 | CHF 408.90 | + 8.00 |
| 2'500 | CHF 387.70 | CHF 379.70 | + 8.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | ÖKK |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 457.20 |
| Other model | CHF 461.80 | CHF 457.20 |
| Free choice of doctor | CHF 516.00 | CHF 508.00 |
| HMO practice | — | CHF 447.10 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.