Visana or ÖKK in Region 1 of canton St. Gallen?
In Region 1, ÖKK is CHF 666.00 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
ÖKK comes down to CHF 485.80 a month, Visana to CHF 541.30. The gap is CHF 666.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to ÖKK is worth CHF 73.80 more a year. Sanitas
Where they stand in the region
Visana ranks 20 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.
| Deductible | Visana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 637.50 | CHF 552.00 | + 85.50 |
| 500 | CHF 630.80 | CHF 540.40 | + 90.40 |
| 1'000 | CHF 596.70 | CHF 511.20 | + 85.50 |
| 1'500 | CHF 567.50 | CHF 482.00 | + 85.50 |
| 2'000 | CHF 538.30 | CHF 452.90 | + 85.40 |
| 2'500 | CHF 509.20 | CHF 423.70 | + 85.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | ÖKK |
|---|---|---|
| HMO practice | CHF 541.30 | CHF 485.80 |
| Other model | CHF 548.30 | CHF 496.80 |
| Family doctor | CHF 548.30 | CHF 496.80 |
| Free choice of doctor | CHF 637.50 | CHF 552.00 |
How they moved in this region
Against 2025, Visana moves by + 1.2 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.