Mutuel or EGK in Region 1 of canton St. Gallen?
In Region 1, EGK is CHF 232.80 a year cheaper than Mutuel 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 508.20 a month, Mutuel to CHF 527.60. The gap is CHF 232.80 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 EGK is worth CHF 342.60 more a year. Sanitas
Where they stand in the region
Mutuel ranks 19 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.
| Deductible | Mutuel | EGK | Gap |
|---|---|---|---|
| 300 | CHF 602.90 | CHF 577.40 | + 25.50 |
| 500 | CHF 591.40 | CHF 565.80 | + 25.60 |
| 1'000 | CHF 562.40 | CHF 536.60 | + 25.80 |
| 1'500 | CHF 532.90 | CHF 507.40 | + 25.50 |
| 2'000 | CHF 503.90 | CHF 478.30 | + 25.60 |
| 2'500 | CHF 474.90 | CHF 449.10 | + 25.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 527.60 | CHF 508.20 |
| HMO practice | CHF 530.60 | — |
| Family doctor | CHF 548.70 | CHF 528.40 |
| Free choice of doctor | CHF 602.90 | CHF 577.40 |
How they moved in this region
Against 2025, Mutuel moves by + 4.6 % and EGK by + 3.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.