Helsana or ÖKK in Region 3 of canton St. Gallen?
In Region 3, Helsana is CHF 63.60 a year cheaper than ÖKK 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 441.80 a month, ÖKK to CHF 447.10. The gap is CHF 63.60 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 Helsana is worth CHF 482.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 7 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 | Helsana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 526.00 | CHF 508.00 | + 18.00 |
| 500 | CHF 514.40 | CHF 496.40 | + 18.00 |
| 1'000 | CHF 485.20 | CHF 467.20 | + 18.00 |
| 1'500 | CHF 456.00 | CHF 438.00 | + 18.00 |
| 2'000 | CHF 426.90 | CHF 408.90 | + 18.00 |
| 2'500 | CHF 397.70 | CHF 379.70 | + 18.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | ÖKK |
|---|---|---|
| Family doctor | CHF 441.80 | CHF 457.20 |
| Other model | CHF 462.80 | CHF 457.20 |
| Free choice of doctor | CHF 526.00 | CHF 508.00 |
| HMO practice | — | CHF 447.10 |
How they moved in this region
Against 2025, Helsana moves by + 6.1 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.