Health insurance in Niederbüren 2026
25 insurers offer basic cover in Niederbüren (St. Gallen). The benefits are identical everywhere — only the price differs.
The lowest premium
CHF 479.65 per month
Sanitas — Hausarztmodell 1
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 2'235 per year.
25
active insurers
Region 1
Insurers available in Niederbüren
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | SanitasCheapest | CHF 479.65 |
| 2 | Vivao Sympany | CHF 479.70 |
| 3 | sana24 | CHF 482.70 |
| 4 | SWICA | CHF 482.90 |
| 5 | Helsana | CHF 483.60 |
| 6 | Agrisano | CHF 485.40 |
| 7 | ÖKK | CHF 485.80 |
| 8 | CONCORDIA | CHF 486.70 |
| 9 | KPT | CHF 487.30 |
| 10 | Atupri | CHF 489.30 |
| 11 | CSS | CHF 491.90 |
| 12 | Assura-Basis | CHF 492.20 |
| 13 | Aquilana | CHF 493.10 |
| 14 | Galenos | CHF 498.00 |
| 15 | Avenir | CHF 501.50 |
| 16 | rhenusana | CHF 505.60 |
| 17 | EGK | CHF 508.20 |
| 18 | Sumiswalder | CHF 510.90 |
| 19 | Mutuel | CHF 527.60 |
| 20 | Visana | CHF 541.30 |
| 21 | vita surselva | CHF 550.00 |
| 22 | Glarner | CHF 551.40 |
| 23 | SLKK | CHF 569.40 |
| 24 | Philos | CHF 569.40 |
| 25 | Einsiedler | CHF 591.20 |
Where the municipality sits
Niederbüren sits in the most expensive of St. Gallen’s 3 premium regions. The table below shows what the others cost.
These amounts apply to all 8 municipalities in the same premium region: a premium is set per zone, never per municipality.
The postcodes of Niederbüren
A postcode can straddle two municipalities in different regions. The municipality determines the premium, not the postcode — hence the list below.
- 9200 Gossau SG
- 9203 Niederwil SG
- 9246 Niederbüren
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 +70.3 % over 11 years, or CHF 2'375 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 281.70 | — |
| 2016 | CHF 295.70 | +5.0 % |
| 2017 | CHF 316.10 | +6.9 % |
| 2018 | CHF 349.10 | +10.4 % |
| 2019 | CHF 363.70 | +4.2 % |
| 2020 | CHF 353.90 | −2.7 % |
| 2021 | CHF 356.70 | +0.8 % |
| 2022 | CHF 371.00 | +4.0 % |
| 2023 | CHF 382.20 | +3.0 % |
| 2024 | CHF 432.30 | +13.1 % |
| 2025 | CHF 453.00 | +4.8 % |
| 2026 | CHF 479.65 | +5.9 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
The 3 postcodes of this municipality
One postcode can cover several municipalities, and sometimes several premium regions. Each page says so.
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.
| Region | Lowest premium | Gap over the year | For example |
|---|---|---|---|
| Region 1 (here) | CHF 479.65 | — | Niederbüren |
| Region 3 | CHF 401.60 | CHF 937 less | Altstätten, Balgach, Berneck |
| Region 2 | CHF 419.60 | CHF 721 less | Amden, Andwil (SG), Au (SG) |
This table is not moving advice: it only says what geography costs, at benefits the law makes identical.
The municipalities of the Wil district
They do not necessarily belong to the same premium region — check yours.
| Municipality | Region | Lowest premium | Gap versus here |
|---|---|---|---|
| Niederbüren (here) | Region 1 | CHF 479.65 | — |
| Degersheim | Region 3 | CHF 401.60 | CHF 937 less |
| Flawil | Region 2 | CHF 419.60 | CHF 721 less |
| Jonschwil | Region 2 | CHF 419.60 | CHF 721 less |
| Niederhelfenschwil | Region 1 | CHF 479.65 | same zone |
| Oberbüren | Region 1 | CHF 479.65 | same zone |
| Oberuzwil | Region 2 | CHF 419.60 | CHF 721 less |
| Uzwil | Region 2 | CHF 419.60 | CHF 721 less |
| Wil (SG) | Region 1 | CHF 479.65 | same zone |
| Zuzwil (SG) | Region 1 | CHF 479.65 | same zone |
Region 1 — 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.