Sanitas or ÖKK in Region 2 of canton St. Gallen?
In Region 2, ÖKK is CHF 16.80 a year cheaper than Sanitas for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 455.90 a month, Sanitas to CHF 457.30. The gap is CHF 16.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to ÖKK is worth CHF 435.60 more a year. Agrisano
Where they stand in the region
Sanitas ranks 9 and ÖKK ranks 6, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 537.90 | CHF 518.00 | + 19.90 |
| 500 | CHF 526.30 | CHF 506.40 | + 19.90 |
| 1'000 | CHF 497.10 | CHF 477.20 | + 19.90 |
| 1'500 | CHF 467.90 | CHF 448.00 | + 19.90 |
| 2'000 | CHF 438.80 | CHF 418.90 | + 19.90 |
| 2'500 | CHF 409.60 | CHF 389.70 | + 19.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Other model | CHF 457.30 | CHF 466.20 |
| Family doctor | CHF 467.95 | CHF 466.20 |
| HMO practice | CHF 489.50 | CHF 455.90 |
| Free choice of doctor | CHF 537.90 | CHF 518.00 |
How they moved in this region
Against 2025, Sanitas moves by + 4.1 % and ÖKK by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.