ÖKK Médecin de famille — Region 3, St. Gallen
Region 3, St. Gallen: the Médecin de famille model from ÖKK costs CHF 457.20 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 457.20, Médecin de famille is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille costs CHF 609.60 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 457.20 | CHF 425.20 |
| 500 | CHF 445.60 | CHF 414.50 |
| 1'000 | CHF 416.40 | CHF 387.30 |
| 1'500 | CHF 387.20 | CHF 360.10 |
| 2'000 | CHF 358.10 | CHF 333.10 |
| 2'500 | CHF 328.90 | CHF 305.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 331.50 | CHF 308.30 |
| 500 | CHF 319.90 | CHF 297.60 |
| 1'000 | CHF 290.70 | CHF 270.40 |
| 1'500 | CHF 261.50 | CHF 243.20 |
| 2'000 | CHF 232.40 | CHF 216.20 |
| 2'500 | CHF 203.20 | CHF 189.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 100.60 | CHF 93.60 |
| 200 | CHF 89.00 | CHF 82.80 |
| 400 | CHF 77.30 | CHF 71.90 |
| 600 | CHF 65.60 | CHF 61.10 |
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 1
- St. Gallen — Region 2
- 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.