ÖKK Médecin de famille — Region 1, St. Gallen
Region 1, St. Gallen: the Médecin de famille model from ÖKK costs CHF 496.80 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 496.80, Médecin de famille is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille costs CHF 662.40 less per year than ÖKK's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 496.80 | CHF 462.10 |
| 500 | CHF 485.20 | CHF 451.30 |
| 1'000 | CHF 456.00 | CHF 424.10 |
| 1'500 | CHF 426.80 | CHF 397.00 |
| 2'000 | CHF 397.70 | CHF 369.90 |
| 2'500 | CHF 368.50 | CHF 342.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 360.20 | CHF 335.00 |
| 500 | CHF 348.60 | CHF 324.20 |
| 1'000 | CHF 319.40 | CHF 297.10 |
| 1'500 | CHF 290.20 | CHF 269.90 |
| 2'000 | CHF 261.10 | CHF 242.90 |
| 2'500 | CHF 231.90 | CHF 215.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 109.30 | CHF 101.70 |
| 200 | CHF 97.70 | CHF 90.90 |
| 400 | CHF 86.00 | CHF 80.00 |
| 600 | CHF 74.30 | CHF 69.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.