ÖKK — Region 3 of canton St. Gallen, 2026 premiums
ÖKK covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 304.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 12 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 457.98 a month.
What staying costs
Moving from ÖKK to Agrisano, the cheapest insurer in this region, saves CHF 546.00 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 508.00 | CHF 457.20 | CHF 447.10 | CHF 457.20 |
| 500 | CHF 496.40 | CHF 445.60 | CHF 435.50 | CHF 445.60 |
| 1'000 | CHF 467.20 | CHF 416.40 | CHF 406.30 | CHF 416.40 |
| 1'500 | CHF 438.00 | CHF 387.20 | CHF 377.10 | CHF 387.20 |
| 2'000 | CHF 408.90 | CHF 358.10 | CHF 348.00 | CHF 358.10 |
| 2'500 | CHF 379.70 | CHF 328.90 | CHF 327.10 | CHF 328.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 368.30 | CHF 331.50 | CHF 324.20 | CHF 331.50 |
| 500 | CHF 356.70 | CHF 319.90 | CHF 312.60 | CHF 319.90 |
| 1'000 | CHF 327.50 | CHF 290.70 | CHF 283.40 | CHF 290.70 |
| 1'500 | CHF 298.30 | CHF 261.50 | CHF 254.20 | CHF 261.50 |
| 2'000 | CHF 269.20 | CHF 232.40 | CHF 225.10 | CHF 232.40 |
| 2'500 | CHF 240.00 | CHF 203.20 | CHF 204.20 | CHF 203.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 111.80 | CHF 100.60 | CHF 98.40 | CHF 100.60 |
| 200 | CHF 100.20 | CHF 89.00 | CHF 86.80 | CHF 89.00 |
| 400 | CHF 88.50 | CHF 77.30 | CHF 75.10 | CHF 77.30 |
| 600 | CHF 76.80 | CHF 65.60 | CHF 63.40 | CHF 65.60 |
With or without accident cover
With accident cover: CHF 508.00 a month. Without: CHF 472.50. Dropping it saves CHF 426.00 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 427.20 in 2025 to CHF 304.30 — a rise of 4.7 %.
The 23 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton St. Gallen, not to the municipality.
Altstätten · Balgach · Berneck · Bütschwil-Ganterschwil · Degersheim · Diepoldsau · Ebnat-Kappel · Eichberg · Gams · Grabs · Lichtensteig · Lütisburg · Marbach (SG) · Mosnang · Neckertal · Nesslau · Oberriet (SG) · Rebstein · Rüthi (SG) · Sennwald · Wattwil · Widnau · Wildhaus-Alt St. Johann
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 401.60 | View |
| SWICA | CHF 431.30 | View |
| KPT | CHF 431.80 | View |
| Galenos | CHF 434.40 | View |
| Assura-Basis | CHF 435.10 | View |
| CONCORDIA | CHF 441.10 | View |
| Helsana | CHF 441.80 | View |
| Atupri | CHF 443.10 | View |
| sana24 | CHF 444.80 | View |
| Sanitas | CHF 445.80 | View |
| CSS | CHF 446.30 | View |
| Aquilana | CHF 447.80 | View |
| Vivao Sympany | CHF 448.90 | View |
| EGK | CHF 454.50 | View |
| Sumiswalder | CHF 455.00 | View |
| rhenusana | CHF 457.10 | View |
| Mutuel | CHF 464.30 | View |
| vita surselva | CHF 465.50 | View |
| Avenir | CHF 471.40 | View |
| Glarner | CHF 490.50 | View |
| Visana | CHF 505.00 | View |
| SLKK | CHF 506.80 | View |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.