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Health insurance in Flums 2026

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

The lowest premium

CHF 419.60 per month

Agrisano — AGRIsmart

Adult, CHF 300 deductible, accident cover included.

Gap to the most expensive insurer: CHF 2'237 per year.

25

active insurers

Region 2

Compare my exact premiums

Insurers available in Flums

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

#InsurerFrom
1AgrisanoCheapestCHF 419.60
2AtupriCHF 443.90
3CSSCHF 444.40
4KPTCHF 448.50
5SWICACHF 450.10
6ÖKKCHF 455.90
7CONCORDIACHF 456.00
8AquilanaCHF 457.10
9SanitasCHF 457.30
10EGKCHF 457.80
11Assura-BasisCHF 458.00
12HelsanaCHF 458.60
13GalenosCHF 459.00
14sana24CHF 466.50
15rhenusanaCHF 471.10
16SumiswalderCHF 474.50
17Vivao SympanyCHF 479.70
18AvenirCHF 486.50
19MutuelCHF 490.70
20vita surselvaCHF 506.00
21GlarnerCHF 511.10
22SLKKCHF 512.50
23VisanaCHF 514.30
24PhilosCHF 518.20
25EinsiedlerCHF 547.95

Where the municipality sits

Flums sits in region 2 of St. Gallen’s 3 premium regions, counting from the cheapest.

These amounts apply to all 44 municipalities in the same premium region: a premium is set per zone, never per municipality.

The postcodes of Flums

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

  • 8888 Heiligkreuz (Mels)
  • 8890 Flums
  • 8892 Berschis
  • 8893 Flums Hochwiese
  • 8894 Flumserberg Saxli
  • 8895 Flumserberg Portels
  • 8896 Flumserberg Bergheim
  • 8897 Flumserberg Tannenheim
  • 8898 Flumserberg Tannenbodenalp

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 +62.2 % over 11 years, or CHF 1'931 more per year.

YearLowest premiumChange
2015CHF 258.70—
2016CHF 269.60+4.2 %
2017CHF 309.60+14.8 %
2018CHF 327.40+5.7 %
2019CHF 339.70+3.8 %
2020CHF 349.90+3.0 %
2021CHF 348.60−0.4 %
2022CHF 346.90−0.5 %
2023CHF 371.70+7.1 %
2024CHF 379.80+2.2 %
2025CHF 398.70+5.0 %
2026CHF 419.60+5.2 %

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

The 9 postcodes of this municipality

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

8888 Heiligkreuz (Mels)8890 Flums8892 Berschis8893 Flums Hochwiese8894 Flumserberg Saxli8895 Flumserberg Portels8896 Flumserberg Bergheim8897 Flumserberg Tannenheim8898 Flumserberg Tannenbodenalp

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 2 (here)CHF 419.60—Flums
Region 3CHF 401.60CHF 216 lessAltstätten, Balgach, Berneck
Region 1CHF 479.65CHF 721 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 Sarganserland district

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

MunicipalityRegionLowest premiumGap versus here
Flums (here)Region 2CHF 419.60—
Bad RagazRegion 2CHF 419.60same zone
MelsRegion 2CHF 419.60same zone
PfäfersRegion 2CHF 419.60same zone
QuartenRegion 2CHF 419.60same zone
SargansRegion 2CHF 419.60same zone
Vilters-WangsRegion 2CHF 419.60same zone
WalenstadtRegion 2CHF 419.60same zone

Region 2 — 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 Sarganserland →