Sanitas or EGK in Region 3 of canton St. Gallen?
In Region 3, Sanitas is CHF 104.40 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 445.80 a month, EGK to CHF 454.50. The gap is CHF 104.40 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 Sanitas is worth CHF 530.40 more a year. Agrisano
Where they stand in the region
Sanitas ranks 10 and EGK ranks 15, 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 | Sanitas | EGK | Gap |
|---|---|---|---|
| 300 | CHF 512.40 | CHF 510.60 | + 1.80 |
| 500 | CHF 500.80 | CHF 499.00 | + 1.80 |
| 1'000 | CHF 471.60 | CHF 469.80 | + 1.80 |
| 1'500 | CHF 442.40 | CHF 440.60 | + 1.80 |
| 2'000 | CHF 413.30 | CHF 411.50 | + 1.80 |
| 2'500 | CHF 384.10 | CHF 382.30 | + 1.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | EGK |
|---|---|---|
| Family doctor | CHF 445.80 | CHF 464.70 |
| Other model | CHF 461.20 | CHF 454.50 |
| HMO practice | CHF 466.30 | — |
| Free choice of doctor | CHF 512.40 | CHF 510.60 |
How they moved in this region
Against 2025, Sanitas moves by + 4.1 % and EGK by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.