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Health insurance in Berneck 2026

25 insurers offer basic cover in Berneck (St. Gallen). The benefits are identical everywhere — only the price differs.

The lowest premium

CHF 401.60 per month

Agrisano — AGRIsmart

Adult, CHF 300 deductible, accident cover included.

Gap to the most expensive insurer: CHF 2'374 per year.

25

active insurers

Region 3

Compare my exact premiums

Insurers available in Berneck

Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.

#InsurerFrom
1AgrisanoCheapestCHF 401.60
2SWICACHF 431.30
3KPTCHF 431.80
4GalenosCHF 434.40
5Assura-BasisCHF 435.10
6CONCORDIACHF 441.10
7HelsanaCHF 441.80
8AtupriCHF 443.10
9sana24CHF 444.80
10SanitasCHF 445.80
11CSSCHF 446.30
12ÖKKCHF 447.10
13AquilanaCHF 447.80
14Vivao SympanyCHF 448.90
15EGKCHF 454.50
16SumiswalderCHF 455.00
17rhenusanaCHF 457.10
18MutuelCHF 464.30
19vita surselvaCHF 465.50
20AvenirCHF 471.40
21GlarnerCHF 490.50
22VisanaCHF 505.00
23SLKKCHF 506.80
24PhilosCHF 512.50
25EinsiedlerCHF 525.95

Where the municipality sits

Berneck sits in the cheapest of St. Gallen’s 3 premium regions. Few municipalities in the canton pay less.

These amounts apply to all 23 municipalities in the same premium region: a premium is set per zone, never per municipality.

The postcodes of Berneck

A postcode can straddle two municipalities in different regions. The municipality determines the premium, not the postcode — hence the list below.

  • 9411 Reute AR
  • 9434 Au SG
  • 9435 Heerbrugg
  • 9442 Berneck
  • 9442 Büriswilen

How the premium has moved

The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.

That is +62.6 % over 11 years, or CHF 1'855 more per year.

YearLowest premiumChange
2015CHF 247.00—
2016CHF 257.00+4.0 %
2017CHF 292.90+14.0 %
2018CHF 311.00+6.2 %
2019CHF 331.20+6.5 %
2020CHF 333.50+0.7 %
2021CHF 331.20−0.7 %
2022CHF 332.90+0.5 %
2023CHF 343.90+3.3 %
2024CHF 366.90+6.7 %
2025CHF 381.60+4.0 %
2026CHF 401.60+5.2 %

Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.

The 4 postcodes of this municipality

One postcode can cover several municipalities, and sometimes several premium regions. Each page says so.

9411 Reute AR9434 Au SG9435 Heerbrugg9442 Berneck

Elsewhere in St. Gallen

At strictly identical cover, changing premium region changes the price. Here is what the lowest premium costs in the canton’s other regions.

RegionLowest premiumGap over the yearFor example
Region 3 (here)CHF 401.60—Berneck
Region 2CHF 419.60CHF 216 moreAmden, Andwil (SG), Au (SG)
Region 1CHF 479.65CHF 937 moreGaiserwald, Gossau (SG), Niederbüren

This table is not moving advice: it only says what geography costs, at benefits the law makes identical.

The municipalities of the Rheintal district

They do not necessarily belong to the same premium region — check yours.

MunicipalityRegionLowest premiumGap versus here
Berneck (here)Region 3CHF 401.60—
AltstättenRegion 3CHF 401.60same zone
Au (SG)Region 2CHF 419.60CHF 216 more
BalgachRegion 3CHF 401.60same zone
DiepoldsauRegion 3CHF 401.60same zone
EichbergRegion 3CHF 401.60same zone
Marbach (SG)Region 3CHF 401.60same zone
Oberriet (SG)Region 3CHF 401.60same zone
RebsteinRegion 3CHF 401.60same zone
RheineckRegion 2CHF 419.60CHF 216 more
Rüthi (SG)Region 3CHF 401.60same zone
St. MargrethenRegion 2CHF 419.60CHF 216 more
WidnauRegion 3CHF 401.60same zone

Region 3 — St. Gallen

The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.

See every municipality — St. Gallen →

district Rheintal →