Health insurance for a child — Region 1 of canton St. Gallen
For this household of 1 in Region 1 of canton St. Gallen, the lowest bill is CHF 42.20 a month. Here is the breakdown.
The household total
CHF 42.20 a month, or CHF 506.40 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 110.34 a month. The gap is CHF 817.68 a year — that is what comparing is worth.
With a single insurer
Nothing requires a household to pick the same insurer for everyone, but many prefer it. The cheapest that covers every member is rhenusana, at CHF 42.20 a month.
The breakdown, person by person
One child under 19, zero deductible, accident cover included.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Child | CHF 0 | CHF 42.20 | rhenusana |
Three things to check
Cover is compulsory from birth. Declared within three months, it takes effect retroactively to the day of birth, so maternity costs are covered. After that, cover starts only on enrolment and costs already incurred stay with you. For a child the deductible is zero by default; it can be raised to between CHF 100 and 600, which only makes sense if the child rarely sees a doctor. Most insurers grant a discount from the third child onwards, and cantons cut children’s premiums sharply through premium reductions.
- Declare the birth within three months: cover then runs from day one.
- A zero deductible is the default, and usually the right call for a young child.
- Apply for the premium reduction: in several cantons a child’s premium is largely covered.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.