ÖKK in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest ÖKK premium went from CHF 303.50 a month in 2015 to CHF 447.10 in 2026 — a rise of +47.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 303.50 | CHF 247.00 | CHF 56.50 |
| 2016 | CHF 319.60 | CHF 257.00 | CHF 62.60 |
| 2017 | CHF 344.30 | CHF 292.90 | CHF 51.40 |
| 2018 | CHF 355.30 | CHF 311.00 | CHF 44.30 |
| 2019 | CHF 363.00 | CHF 331.20 | CHF 31.80 |
| 2020 | CHF 378.50 | CHF 333.50 | CHF 45.00 |
| 2021 | CHF 378.50 | CHF 331.20 | CHF 47.30 |
| 2022 | CHF 364.60 | CHF 332.90 | CHF 31.70 |
| 2023 | CHF 389.80 | CHF 343.90 | CHF 45.90 |
| 2024 | CHF 429.00 | CHF 366.90 | CHF 62.10 |
| 2025 | CHF 427.20 | CHF 381.60 | CHF 45.60 |
| 2026 | CHF 447.10 | CHF 401.60 | CHF 45.50 |
Faster or slower than the rest?
ÖKK rose +47.3 % over the period, against +62.6 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2024: +10.1 % in one go. The premium did not move in 2021.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
St. Gallen, canton by canton
ÖKK, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.