ÖKK — Region 1 of canton St. Gallen, 2026 premiums
ÖKK covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 340.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 7 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 509.79 a month.
What staying costs
Moving from ÖKK to Sanitas, the cheapest insurer in this region, saves CHF 73.80 a year for an adult on the same profile.
The full ÖKK table
160 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 552.00 | CHF 496.80 | CHF 485.80 | CHF 496.80 |
| 500 | CHF 540.40 | CHF 485.20 | CHF 474.20 | CHF 485.20 |
| 1'000 | CHF 511.20 | CHF 456.00 | CHF 445.00 | CHF 456.00 |
| 1'500 | CHF 482.00 | CHF 426.80 | CHF 415.80 | CHF 426.80 |
| 2'000 | CHF 452.90 | CHF 397.70 | CHF 386.70 | CHF 397.70 |
| 2'500 | CHF 423.70 | CHF 368.50 | CHF 365.80 | CHF 368.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 400.20 | CHF 360.20 | CHF 352.20 | CHF 360.20 |
| 500 | CHF 388.60 | CHF 348.60 | CHF 340.60 | CHF 348.60 |
| 1'000 | CHF 359.40 | CHF 319.40 | CHF 311.40 | CHF 319.40 |
| 1'500 | CHF 330.20 | CHF 290.20 | CHF 282.20 | CHF 290.20 |
| 2'000 | CHF 301.10 | CHF 261.10 | CHF 253.10 | CHF 261.10 |
| 2'500 | CHF 271.90 | CHF 231.90 | CHF 232.20 | CHF 231.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 121.50 | CHF 109.30 | CHF 106.90 | CHF 109.30 |
| 200 | CHF 109.90 | CHF 97.70 | CHF 95.30 | CHF 97.70 |
| 400 | CHF 98.20 | CHF 86.00 | CHF 83.60 | CHF 86.00 |
| 600 | CHF 86.50 | CHF 74.30 | CHF 71.90 | CHF 74.30 |
With or without accident cover
With accident cover: CHF 552.00 a month. Without: CHF 513.40. Dropping it saves CHF 463.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 467.20 in 2025 to CHF 340.20 — a rise of 4.0 %.
The 8 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton St. Gallen, not to the municipality.
Gaiserwald · Gossau (SG) · Niederbüren · Niederhelfenschwil · Oberbüren · St. Gallen · Wil (SG) · Zuzwil (SG)
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Sanitas | CHF 479.65 | View |
| Vivao Sympany | CHF 479.70 | View |
| sana24 | CHF 482.70 | View |
| SWICA | CHF 482.90 | View |
| Helsana | CHF 483.60 | View |
| Agrisano | CHF 485.40 | View |
| CONCORDIA | CHF 486.70 | View |
| KPT | CHF 487.30 | View |
| Atupri | CHF 489.30 | View |
| CSS | CHF 491.90 | View |
| Assura-Basis | CHF 492.20 | View |
| Aquilana | CHF 493.10 | View |
| Galenos | CHF 498.00 | View |
| Avenir | CHF 501.50 | View |
| rhenusana | CHF 505.60 | View |
| EGK | CHF 508.20 | View |
| Sumiswalder | CHF 510.90 | View |
| Mutuel | CHF 527.60 | View |
| Visana | CHF 541.30 | View |
| vita surselva | CHF 550.00 | View |
| Glarner | CHF 551.40 | View |
| SLKK | CHF 569.40 | View |
| Philos | CHF 569.40 | View |
| Einsiedler | CHF 591.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.