ÖKK — Region 2, St. Gallen: twelve years of premiums
Region 2, St. Gallen: the lowest ÖKK premium went from CHF 312.80 a month in 2015 to CHF 455.90 in 2026 — a rise of +45.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 312.80 | CHF 258.70 | CHF 54.10 |
| 2016 | CHF 329.80 | CHF 269.60 | CHF 60.20 |
| 2017 | CHF 352.80 | CHF 309.60 | CHF 43.20 |
| 2018 | CHF 364.70 | CHF 327.40 | CHF 37.30 |
| 2019 | CHF 374.90 | CHF 339.70 | CHF 35.20 |
| 2020 | CHF 389.80 | CHF 349.90 | CHF 39.90 |
| 2021 | CHF 389.80 | CHF 348.60 | CHF 41.20 |
| 2022 | CHF 375.90 | CHF 346.90 | CHF 29.00 |
| 2023 | CHF 400.20 | CHF 371.70 | CHF 28.50 |
| 2024 | CHF 438.50 | CHF 379.80 | CHF 58.70 |
| 2025 | CHF 436.80 | CHF 398.70 | CHF 38.10 |
| 2026 | CHF 455.90 | CHF 419.60 | CHF 36.30 |
Faster or slower than the rest?
ÖKK rose +45.8 % over the period, against +62.2 % 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: +9.6 % 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.
ÖKK, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.