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Sanitas or ÖKK in Region 1 of canton St. Gallen?

In Region 1, Sanitas is CHF 73.80 a year cheaper than ÖKK 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 479.65 a month, ÖKK to CHF 485.80. The gap is CHF 73.80 a year, 300-franc deductible, accident cover included.

What the question hides

Sanitas is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.

Where they stand in the region

Sanitas ranks 1 and ÖKK ranks 7, 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.

DeductibleSanitasÖKKGap
300CHF 551.30CHF 552.00− 0.70
500CHF 539.70CHF 540.40− 0.70
1'000CHF 510.50CHF 511.20− 0.70
1'500CHF 481.30CHF 482.00− 0.70
2'000CHF 452.20CHF 452.90− 0.70
2'500CHF 423.00CHF 423.70− 0.70

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasÖKK
Family doctorCHF 479.65CHF 496.80
Other modelCHF 496.20CHF 496.80
HMO practiceCHF 501.70CHF 485.80
Free choice of doctorCHF 551.30CHF 552.00

How they moved in this region

Against 2025, Sanitas moves by + 4.1 % and ÖKK by + 4.0 % in this region.

Sanitas, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.