Helsana or EGK in Region 2 of canton St. Gallen?
In Region 2, EGK is CHF 9.60 a year cheaper than Helsana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
EGK comes down to CHF 457.80 a month, Helsana to CHF 458.60. 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 419.60 a month. Moving there rather than to EGK is worth CHF 458.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and EGK ranks 10, 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 | Helsana | EGK | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 526.10 | + 19.90 |
| 500 | CHF 534.40 | CHF 514.40 | + 20.00 |
| 1'000 | CHF 505.20 | CHF 485.20 | + 20.00 |
| 1'500 | CHF 476.00 | CHF 456.10 | + 19.90 |
| 2'000 | CHF 446.90 | CHF 426.90 | + 20.00 |
| 2'500 | CHF 417.70 | CHF 397.70 | + 20.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | EGK |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 478.80 |
| Other model | CHF 480.40 | CHF 457.80 |
| Free choice of doctor | CHF 546.00 | CHF 526.10 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and EGK by + 3.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.