Mutuel or EGK in Region 3 of canton St. Gallen?
In Region 3, EGK is CHF 117.60 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 454.50 a month, Mutuel to CHF 464.30. The gap is CHF 117.60 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 EGK is worth CHF 634.80 more a year. Agrisano
Where they stand in the region
Mutuel ranks 18 and EGK ranks 15, 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 530.60 | CHF 510.60 | + 20.00 |
| 500 | CHF 519.10 | CHF 499.00 | + 20.10 |
| 1'000 | CHF 490.10 | CHF 469.80 | + 20.30 |
| 1'500 | CHF 460.60 | CHF 440.60 | + 20.00 |
| 2'000 | CHF 431.60 | CHF 411.50 | + 20.10 |
| 2'500 | CHF 402.60 | CHF 382.30 | + 20.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 464.30 | CHF 454.50 |
| HMO practice | CHF 466.90 | — |
| Family doctor | CHF 482.90 | CHF 464.70 |
| Free choice of doctor | CHF 530.60 | CHF 510.60 |
How they moved in this region
Against 2025, Mutuel moves by + 4.6 % and EGK by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.