Mutuel or ÖKK in Region 3 of canton St. Gallen?
In Region 3, ÖKK is CHF 206.40 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 447.10 a month, Mutuel to CHF 464.30. The gap is CHF 206.40 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 ÖKK is worth CHF 546.00 more a year. Agrisano
Where they stand in the region
Mutuel ranks 18 and ÖKK ranks 12, 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 530.60 | CHF 508.00 | + 22.60 |
| 500 | CHF 519.10 | CHF 496.40 | + 22.70 |
| 1'000 | CHF 490.10 | CHF 467.20 | + 22.90 |
| 1'500 | CHF 460.60 | CHF 438.00 | + 22.60 |
| 2'000 | CHF 431.60 | CHF 408.90 | + 22.70 |
| 2'500 | CHF 402.60 | CHF 379.70 | + 22.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 464.30 | CHF 457.20 |
| HMO practice | CHF 466.90 | CHF 447.10 |
| Family doctor | CHF 482.90 | CHF 457.20 |
| Free choice of doctor | CHF 530.60 | CHF 508.00 |
How they moved in this region
Against 2025, Mutuel moves by + 4.6 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.