CHF 1'000 deductible in Region 1 of canton St. Gallen
At a CHF 1'000 deductible, 25 insurers offer a premium in Region 1 of canton St. Gallen. The lowest is CHF 438.85 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 479.65, the CHF 1'000 deductible saves CHF 489.60 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 789.60 of medical costs in the year: below that this deductible wins, above it costs more than the minimum.
The calculation excludes the 10 % co-payment, capped at 700 francs a year, which applies in both cases.
The ranking, cheapest to dearest
25 insurers at a CHF 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Sanitas | CHF 438.85 | View |
| 2 | Vivao Sympany | CHF 438.90 | View |
| 3 | sana24 | CHF 441.90 | View |
| 4 | Helsana | CHF 442.80 | View |
| 5 | ÖKK | CHF 445.00 | View |
| 6 | CONCORDIA | CHF 445.90 | View |
| 7 | KPT | CHF 446.50 | View |
| 8 | SWICA | CHF 447.90 | View |
| 9 | Atupri | CHF 448.50 | View |
| 10 | Agrisano | CHF 448.50 | View |
| 11 | CSS | CHF 451.10 | View |
| 12 | Assura-Basis | CHF 451.40 | View |
| 13 | Galenos | CHF 457.20 | View |
| 14 | Aquilana | CHF 457.70 | View |
| 15 | Avenir | CHF 461.00 | View |
| 16 | rhenusana | CHF 464.80 | View |
| 17 | EGK | CHF 467.40 | View |
| 18 | Sumiswalder | CHF 473.30 | View |
| 19 | Mutuel | CHF 487.10 | View |
| 20 | Visana | CHF 500.50 | View |
| 21 | vita surselva | CHF 511.50 | View |
| 22 | Glarner | CHF 512.60 | View |
| 23 | Philos | CHF 528.90 | View |
| 24 | SLKK | CHF 534.30 | View |
| 25 | Einsiedler | CHF 550.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.