Health insurance for two — Region 3 of canton St. Gallen
For this household of 2 in Region 3 of canton St. Gallen, the lowest bill is CHF 553.40 a month. Here is the breakdown.
The household total
CHF 553.40 a month, or CHF 6'640.80 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 659.54 a month. The gap is CHF 1'273.68 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 Agrisano, at CHF 553.40 a month.
The breakdown, person by person
Two adults without children, CHF 2,500 deductible each, accident cover suspended.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| 2 × Adult — without accident cover | CHF 2'500 | CHF 276.70 | Agrisano |
Three things to check
LAMal is individual: each person has their own contract, deductible and model. Choosing the same insurer for convenience often costs money, because the cheapest insurer for one is not necessarily cheapest for the other — rates depend on age class and the model chosen. The only argument for a shared insurer is administrative: one contact, one bill. On supplementary cover, by contrast, some insurers grant a family discount: that is where, and only where, bundling stands up.
- Compare each of you separately: the comparator shows the best choice per person.
- The deductible need not be the same: it follows each person’s health.
- The couple discount exists on supplementary cover, never on basic insurance.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.