Region 1 of canton St. Gallen — 2026 premiums

Region 1 of canton St. Gallen groups 8 municipalities that all pay the same rate. 25 insurers offer premiums here, from CHF 479.65 a month for an adult, 300-franc deductible, accident cover included.

The gap, in francs

Between the cheapest (CHF 479.65) and the dearest (CHF 591.20) in this region there is CHF 1'338.60 a year — for exactly the same cover, defined by law.

The insurers in Region 1, cheapest to dearest

25 active insurers. Each one’s lowest adult premium, 300-franc deductible, accident cover included.

Rank	Insurer	From
1	Sanitas	CHF 479.65	View
2	Vivao Sympany	CHF 479.70	View
3	sana24	CHF 482.70	View
4	SWICA	CHF 482.90	View
5	Helsana	CHF 483.60	View
6	Agrisano	CHF 485.40	View
7	ÖKK	CHF 485.80	View
8	CONCORDIA	CHF 486.70	View
9	KPT	CHF 487.30	View
10	Atupri	CHF 489.30	View
11	CSS	CHF 491.90	View
12	Assura-Basis	CHF 492.20	View
13	Aquilana	CHF 493.10	View
14	Galenos	CHF 498.00	View
15	Avenir	CHF 501.50	View
16	rhenusana	CHF 505.60	View
17	EGK	CHF 508.20	View
18	Sumiswalder	CHF 510.90	View
19	Mutuel	CHF 527.60	View
20	Visana	CHF 541.30	View
21	vita surselva	CHF 550.00	View
22	Glarner	CHF 551.40	View
23	SLKK	CHF 569.40	View
24	Philos	CHF 569.40	View
25	Einsiedler	CHF 591.20	View

The lowest price at each deductible

The deductible changes no benefits, only how the risk is shared. Here is what the region’s cheapest insurer charges at each level.

Deductible	From	Insurer
300	CHF 479.65	Sanitas
500	CHF 468.00	Vivao Sympany
1'000	CHF 438.85	Sanitas
1'500	CHF 409.65	Sanitas
2'000	CHF 380.50	Vivao Sympany
2'500	CHF 351.35	Sanitas

The lowest price for each model

The model limits who you see first, not the treatment. At a 300-franc deductible, here is the region’s lowest rate for each.

Model	From	Insurer
Family doctor	CHF 479.65	Sanitas
HMO practice	CHF 479.70	Vivao Sympany
Other model	CHF 482.50	Vivao Sympany
Free choice of doctor	CHF 536.40	Agrisano

Where this region sits in canton St. Gallen

It is the 3th cheapest region in canton St. Gallen, out of 3.

Region	Municipalities	From
Region 3	23	CHF 401.60
Region 2	44	CHF 419.60
Region 1	8	CHF 479.65

Compared with last year

The region’s lowest premium goes from CHF 453.00 in 2025 to CHF 479.65 — a rise of 5.9 %.

What it costs, for someone like you

«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.

Health insurance as a student Health insurance in your first job Health insurance for a family of four Health insurance when self-employed Health insurance in retirement Health insurance when arriving in Switzerland Health insurance for a child Health insurance during an apprenticeship Health insurance when you are out of work Health insurance for two Health insurance as a cross-border worker Health insurance after retirement

The 8 municipalities in this region

They all pay exactly the same rate: under basic insurance the premium belongs to the region, not the municipality. Moving within this region of canton St. Gallen changes nothing about your premium.

Gaiserwald · Gossau (SG) · Niederbüren · Niederhelfenschwil · Oberbüren · St. Gallen · Wil (SG) · Zuzwil (SG)

Source: Federal Office of Public Health (FOPH), official premiums.