ÖKK — Region 1, St. Gallen: twelve years of premiums
Region 1, St. Gallen: the lowest ÖKK premium went from CHF 331.50 a month in 2015 to CHF 485.80 in 2026 — a rise of +46.6 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 331.50 | CHF 281.70 | CHF 49.80 |
| 2016 | CHF 349.40 | CHF 295.70 | CHF 53.70 |
| 2017 | CHF 374.00 | CHF 316.10 | CHF 57.90 |
| 2018 | CHF 386.80 | CHF 349.10 | CHF 37.70 |
| 2019 | CHF 397.80 | CHF 363.70 | CHF 34.10 |
| 2020 | CHF 413.30 | CHF 353.90 | CHF 59.40 |
| 2021 | CHF 413.30 | CHF 356.70 | CHF 56.60 |
| 2022 | CHF 399.40 | CHF 371.00 | CHF 28.40 |
| 2023 | CHF 423.70 | CHF 382.20 | CHF 41.50 |
| 2024 | CHF 467.20 | CHF 432.30 | CHF 34.90 |
| 2025 | CHF 467.20 | CHF 453.00 | CHF 14.20 |
| 2026 | CHF 485.80 | CHF 479.65 | CHF 6.15 |
Faster or slower than the rest?
ÖKK rose +46.6 % over the period, against +70.3 % 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: +10.3 % in one go. The premium did not move in 2021, 2025.
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.
ÖKK, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.