EGK or ÖKK in Region 3 of canton St. Gallen?
In Region 3, ÖKK is CHF 88.80 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 447.10 a month, EGK to CHF 454.50. The gap is CHF 88.80 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 ÖKK is worth CHF 546.00 more a year. Agrisano
Where they stand in the region
EGK ranks 15 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 | EGK | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 510.60 | CHF 508.00 | + 2.60 |
| 500 | CHF 499.00 | CHF 496.40 | + 2.60 |
| 1'000 | CHF 469.80 | CHF 467.20 | + 2.60 |
| 1'500 | CHF 440.60 | CHF 438.00 | + 2.60 |
| 2'000 | CHF 411.50 | CHF 408.90 | + 2.60 |
| 2'500 | CHF 382.30 | CHF 379.70 | + 2.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | EGK | ÖKK |
|---|---|---|
| Other model | CHF 454.50 | CHF 457.20 |
| Family doctor | CHF 464.70 | CHF 457.20 |
| Free choice of doctor | CHF 510.60 | CHF 508.00 |
| HMO practice | — | CHF 447.10 |
How they moved in this region
Against 2025, EGK moves by + 3.2 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.