CHF 1'500 deductible in Region 1 of canton St. Gallen
At a CHF 1'500 deductible, 25 insurers offer a premium in Region 1 of canton St. Gallen. The lowest is CHF 409.65 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 1'500 deductible saves CHF 840.00 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'140.00 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Sanitas | CHF 409.65 | View |
| 2 | Vivao Sympany | CHF 409.70 | View |
| 3 | sana24 | CHF 412.70 | View |
| 4 | Helsana | CHF 413.60 | View |
| 5 | ÖKK | CHF 415.80 | View |
| 6 | CONCORDIA | CHF 416.70 | View |
| 7 | KPT | CHF 417.30 | View |
| 8 | SWICA | CHF 418.80 | View |
| 9 | Atupri | CHF 419.30 | View |
| 10 | CSS | CHF 421.90 | View |
| 11 | Agrisano | CHF 422.10 | View |
| 12 | Assura-Basis | CHF 422.20 | View |
| 13 | Galenos | CHF 428.00 | View |
| 14 | Avenir | CHF 431.50 | View |
| 15 | Aquilana | CHF 432.40 | View |
| 16 | rhenusana | CHF 435.60 | View |
| 17 | EGK | CHF 438.20 | View |
| 18 | Sumiswalder | CHF 446.50 | View |
| 19 | Mutuel | CHF 457.60 | View |
| 20 | Visana | CHF 471.30 | View |
| 21 | vita surselva | CHF 484.00 | View |
| 22 | Glarner | CHF 484.90 | View |
| 23 | Philos | CHF 499.40 | View |
| 24 | SLKK | CHF 509.20 | View |
| 25 | Einsiedler | CHF 521.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.