Helsana or ÖKK in Region 2 of canton St. Gallen?
In Region 2, ÖKK is CHF 32.40 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
ÖKK comes down to CHF 455.90 a month, Helsana to CHF 458.60. The gap is CHF 32.40 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 ÖKK is worth CHF 435.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and ÖKK ranks 6, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 518.00 | + 28.00 |
| 500 | CHF 534.40 | CHF 506.40 | + 28.00 |
| 1'000 | CHF 505.20 | CHF 477.20 | + 28.00 |
| 1'500 | CHF 476.00 | CHF 448.00 | + 28.00 |
| 2'000 | CHF 446.90 | CHF 418.90 | + 28.00 |
| 2'500 | CHF 417.70 | CHF 389.70 | + 28.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 466.20 |
| Other model | CHF 480.40 | CHF 466.20 |
| Free choice of doctor | CHF 546.00 | CHF 518.00 |
| HMO practice | — | CHF 455.90 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and ÖKK by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.