EGK or ÖKK in Region 1 of canton St. Gallen?
In Region 1, ÖKK is CHF 268.80 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
ÖKK comes down to CHF 485.80 a month, EGK to CHF 508.20. The gap is CHF 268.80 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
EGK ranks 17 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 | EGK | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 577.40 | CHF 552.00 | + 25.40 |
| 500 | CHF 565.80 | CHF 540.40 | + 25.40 |
| 1'000 | CHF 536.60 | CHF 511.20 | + 25.40 |
| 1'500 | CHF 507.40 | CHF 482.00 | + 25.40 |
| 2'000 | CHF 478.30 | CHF 452.90 | + 25.40 |
| 2'500 | CHF 449.10 | CHF 423.70 | + 25.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | EGK | ÖKK |
|---|---|---|
| Other model | CHF 508.20 | CHF 496.80 |
| Family doctor | CHF 528.40 | CHF 496.80 |
| Free choice of doctor | CHF 577.40 | CHF 552.00 |
| HMO practice | — | CHF 485.80 |
How they moved in this region
Against 2025, EGK moves by + 3.5 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.