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Helsana or EGK in Region 1 of canton St. Gallen?

In Region 1, Helsana is CHF 295.20 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

Helsana comes down to CHF 483.60 a month, EGK to CHF 508.20. The gap is CHF 295.20 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 Helsana is worth CHF 47.40 more a year. Sanitas

Where they stand in the region

Helsana ranks 5 and EGK ranks 17, 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.

DeductibleHelsanaEGKGap
300CHF 569.00CHF 577.40− 8.40
500CHF 557.40CHF 565.80− 8.40
1'000CHF 528.20CHF 536.60− 8.40
1'500CHF 499.00CHF 507.40− 8.40
2'000CHF 469.90CHF 478.30− 8.40
2'500CHF 440.70CHF 449.10− 8.40

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelHelsanaEGK
Other modelCHF 483.60CHF 508.20
Family doctorCHF 483.60CHF 528.40
Free choice of doctorCHF 569.00CHF 577.40

How they moved in this region

Against 2025, Helsana moves by + 4.9 % and EGK by + 3.5 % in this region.

Helsana, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.