Visana or ÖKK in Region 2 of canton St. Gallen?

In Region 2, ÖKK is CHF 700.80 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 455.90 a month, Visana to CHF 514.30. The gap is CHF 700.80 a year, 300-franc deductible, accident cover included.

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

Visana ranks 23 and ÖKK ranks 6, 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	ÖKK	Gap
300	CHF 605.70	CHF 518.00	+ 87.70
500	CHF 599.00	CHF 506.40	+ 92.60
1'000	CHF 564.90	CHF 477.20	+ 87.70
1'500	CHF 535.70	CHF 448.00	+ 87.70
2'000	CHF 506.50	CHF 418.90	+ 87.60
2'500	CHF 477.40	CHF 389.70	+ 87.70

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

Against 2025, Visana moves by + 1.2 % and ÖKK by + 4.4 % in this region.

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