Sanitas or ÖKK in Region 3 of canton St. Gallen?
In Region 3, Sanitas is CHF 15.60 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 445.80 a month, ÖKK to CHF 447.10. The gap is CHF 15.60 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 ÖKK ranks 12, 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 512.40 | CHF 508.00 | + 4.40 |
| 500 | CHF 500.80 | CHF 496.40 | + 4.40 |
| 1'000 | CHF 471.60 | CHF 467.20 | + 4.40 |
| 1'500 | CHF 442.40 | CHF 438.00 | + 4.40 |
| 2'000 | CHF 413.30 | CHF 408.90 | + 4.40 |
| 2'500 | CHF 384.10 | CHF 379.70 | + 4.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | ÖKK |
|---|---|---|
| Family doctor | CHF 445.80 | CHF 457.20 |
| Other model | CHF 461.20 | CHF 457.20 |
| HMO practice | CHF 466.30 | CHF 447.10 |
| Free choice of doctor | CHF 512.40 | CHF 508.00 |
How they moved in this region
Against 2025, Sanitas moves by + 4.1 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.