Mutuel or EGK in Region 2 of canton St. Gallen?
In Region 2, EGK is CHF 394.80 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 457.80 a month, Mutuel to CHF 490.70. The gap is CHF 394.80 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
Mutuel ranks 19 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 | Mutuel | EGK | Gap |
|---|---|---|---|
| 300 | CHF 560.70 | CHF 526.10 | + 34.60 |
| 500 | CHF 549.20 | CHF 514.40 | + 34.80 |
| 1'000 | CHF 520.20 | CHF 485.20 | + 35.00 |
| 1'500 | CHF 490.70 | CHF 456.10 | + 34.60 |
| 2'000 | CHF 461.70 | CHF 426.90 | + 34.80 |
| 2'500 | CHF 432.70 | CHF 397.70 | + 35.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 490.70 | CHF 457.80 |
| HMO practice | CHF 493.50 | — |
| Family doctor | CHF 510.30 | CHF 478.80 |
| Free choice of doctor | CHF 560.70 | CHF 526.10 |
How they moved in this region
Against 2025, Mutuel moves by + 4.6 % and EGK by + 3.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.