Mutuel or ÖKK in Region 1 of canton St. Gallen?
In Region 1, ÖKK is CHF 501.60 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
ÖKK comes down to CHF 485.80 a month, Mutuel to CHF 527.60. The gap is CHF 501.60 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 ÖKK is worth CHF 73.80 more a year. Sanitas
Where they stand in the region
Mutuel ranks 19 and ÖKK ranks 7, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 602.90 | CHF 552.00 | + 50.90 |
| 500 | CHF 591.40 | CHF 540.40 | + 51.00 |
| 1'000 | CHF 562.40 | CHF 511.20 | + 51.20 |
| 1'500 | CHF 532.90 | CHF 482.00 | + 50.90 |
| 2'000 | CHF 503.90 | CHF 452.90 | + 51.00 |
| 2'500 | CHF 474.90 | CHF 423.70 | + 51.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 527.60 | CHF 496.80 |
| HMO practice | CHF 530.60 | CHF 485.80 |
| Family doctor | CHF 548.70 | CHF 496.80 |
| Free choice of doctor | CHF 602.90 | CHF 552.00 |
How they moved in this region
Against 2025, Mutuel moves by + 4.6 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.