Visana or ÖKK in Region 3 of canton St. Gallen?
In Region 3, ÖKK is CHF 694.80 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 447.10 a month, Visana to CHF 505.00. The gap is CHF 694.80 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 ÖKK is worth CHF 546.00 more a year. Agrisano
Where they stand in the region
Visana ranks 22 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 | Visana | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 594.10 | CHF 508.00 | + 86.10 |
| 500 | CHF 587.40 | CHF 496.40 | + 91.00 |
| 1'000 | CHF 553.30 | CHF 467.20 | + 86.10 |
| 1'500 | CHF 524.10 | CHF 438.00 | + 86.10 |
| 2'000 | CHF 494.90 | CHF 408.90 | + 86.00 |
| 2'500 | CHF 465.80 | CHF 379.70 | + 86.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | ÖKK |
|---|---|---|
| HMO practice | CHF 505.00 | CHF 447.10 |
| Other model | CHF 511.00 | CHF 457.20 |
| Family doctor | CHF 511.00 | CHF 457.20 |
| Free choice of doctor | CHF 594.10 | CHF 508.00 |
How they moved in this region
Against 2025, Visana moves by + 1.2 % and ÖKK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.