Visana or EGK in Region 3 of canton St. Gallen?

In Region 3, EGK is CHF 606.00 a year cheaper than Visana for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

EGK comes down to CHF 454.50 a month, Visana to CHF 505.00. The gap is CHF 606.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to EGK is worth CHF 634.80 more a year. Agrisano

Visana ranks 22 and EGK ranks 15, out of 25 active insurers in this region.

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	Visana	EGK	Gap
300	CHF 594.10	CHF 510.60	+ 83.50
500	CHF 587.40	CHF 499.00	+ 88.40
1'000	CHF 553.30	CHF 469.80	+ 83.50
1'500	CHF 524.10	CHF 440.60	+ 83.50
2'000	CHF 494.90	CHF 411.50	+ 83.40
2'500	CHF 465.80	CHF 382.30	+ 83.50

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

Against 2025, Visana moves by + 1.2 % and EGK by + 3.2 % in this region.

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