Mutuel or ÖKK in Region 2 of canton St. Gallen?
In Region 2, ÖKK is CHF 417.60 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 455.90 a month, Mutuel to CHF 490.70. The gap is CHF 417.60 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 ÖKK is worth CHF 435.60 more a year. Agrisano
Where they stand in the region
Mutuel ranks 19 and ÖKK ranks 6, 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 560.70 | CHF 518.00 | + 42.70 |
| 500 | CHF 549.20 | CHF 506.40 | + 42.80 |
| 1'000 | CHF 520.20 | CHF 477.20 | + 43.00 |
| 1'500 | CHF 490.70 | CHF 448.00 | + 42.70 |
| 2'000 | CHF 461.70 | CHF 418.90 | + 42.80 |
| 2'500 | CHF 432.70 | CHF 389.70 | + 43.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 490.70 | CHF 466.20 |
| HMO practice | CHF 493.50 | CHF 455.90 |
| Family doctor | CHF 510.30 | CHF 466.20 |
| Free choice of doctor | CHF 560.70 | CHF 518.00 |
How they moved in this region
Against 2025, Mutuel moves by + 4.6 % and ÖKK by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.