ÖKK — Region 2 of canton St. Gallen, 2026 premiums
ÖKK covers the 44 municipalities of Region 2 in canton St. Gallen. Its lowest adult premium here is CHF 312.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 6 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 473.81 a month.
What staying costs
Moving from ÖKK to Agrisano, the cheapest insurer in this region, saves CHF 435.60 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 518.00 | CHF 466.20 | CHF 455.90 | CHF 466.20 |
| 500 | CHF 506.40 | CHF 454.60 | CHF 444.30 | CHF 454.60 |
| 1'000 | CHF 477.20 | CHF 425.40 | CHF 415.10 | CHF 425.40 |
| 1'500 | CHF 448.00 | CHF 396.20 | CHF 385.90 | CHF 396.20 |
| 2'000 | CHF 418.90 | CHF 367.10 | CHF 356.80 | CHF 367.10 |
| 2'500 | CHF 389.70 | CHF 337.90 | CHF 335.90 | CHF 337.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 375.60 | CHF 338.00 | CHF 330.50 | CHF 338.00 |
| 500 | CHF 364.00 | CHF 326.40 | CHF 318.90 | CHF 326.40 |
| 1'000 | CHF 334.80 | CHF 297.20 | CHF 289.70 | CHF 297.20 |
| 1'500 | CHF 305.60 | CHF 268.00 | CHF 260.50 | CHF 268.00 |
| 2'000 | CHF 276.50 | CHF 238.90 | CHF 231.40 | CHF 238.90 |
| 2'500 | CHF 247.30 | CHF 209.70 | CHF 210.50 | CHF 209.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 114.00 | CHF 102.60 | CHF 100.30 | CHF 102.60 |
| 200 | CHF 102.40 | CHF 91.00 | CHF 88.70 | CHF 91.00 |
| 400 | CHF 90.70 | CHF 79.30 | CHF 77.00 | CHF 79.30 |
| 600 | CHF 79.00 | CHF 67.60 | CHF 65.30 | CHF 67.60 |
With or without accident cover
With accident cover: CHF 518.00 a month. Without: CHF 481.80. Dropping it saves CHF 434.40 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 436.80 in 2025 to CHF 312.40 — a rise of 4.4 %.
The 44 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton St. Gallen, not to the municipality.
Amden · Andwil (SG) · Au (SG) · Bad Ragaz · Benken (SG) · Berg (SG) · Buchs (SG) · Eggersriet · Eschenbach (SG) · Flawil · Flums · Goldach · Gommiswald · Häggenschwil · Jonschwil · Kaltbrunn · Kirchberg (SG) · Mels · Muolen · Mörschwil · Oberuzwil · Pfäfers · Quarten · Rapperswil-Jona · Rheineck · Rorschach · Rorschacherberg · Sargans · Schmerikon · Schänis · Sevelen · St. Margrethen · Steinach · Thal · Tübach · Untereggen · Uznach · Uzwil · Vilters-Wangs · Waldkirch · Walenstadt · Wartau · Weesen · Wittenbach
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 419.60 | View |
| Atupri | CHF 443.90 | View |
| CSS | CHF 444.40 | View |
| KPT | CHF 448.50 | View |
| SWICA | CHF 450.10 | View |
| CONCORDIA | CHF 456.00 | View |
| Aquilana | CHF 457.10 | View |
| Sanitas | CHF 457.30 | View |
| EGK | CHF 457.80 | View |
| Assura-Basis | CHF 458.00 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 459.00 | View |
| sana24 | CHF 466.50 | View |
| rhenusana | CHF 471.10 | View |
| Sumiswalder | CHF 474.50 | View |
| Vivao Sympany | CHF 479.70 | View |
| Avenir | CHF 486.50 | View |
| Mutuel | CHF 490.70 | View |
| vita surselva | CHF 506.00 | View |
| Glarner | CHF 511.10 | View |
| SLKK | CHF 512.50 | View |
| Visana | CHF 514.30 | View |
| Philos | CHF 518.20 | View |
| Einsiedler | CHF 547.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.