CHF 2'000 deductible in Region 1 of canton St. Gallen
At a CHF 2'000 deductible, 24 insurers offer a premium in Region 1 of canton St. Gallen. The lowest is CHF 380.50 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 2'000 deductible saves CHF 1'189.80 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'489.80 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
24 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Vivao Sympany | CHF 380.50 | View |
| 2 | Sanitas | CHF 380.55 | View |
| 3 | sana24 | CHF 383.60 | View |
| 4 | SWICA | CHF 383.80 | View |
| 5 | Helsana | CHF 384.50 | View |
| 6 | ÖKK | CHF 386.70 | View |
| 7 | CONCORDIA | CHF 387.60 | View |
| 8 | Atupri | CHF 390.20 | View |
| 9 | CSS | CHF 392.80 | View |
| 10 | Assura-Basis | CHF 393.10 | View |
| 11 | Agrisano | CHF 395.70 | View |
| 12 | Galenos | CHF 398.90 | View |
| 13 | Avenir | CHF 402.50 | View |
| 14 | rhenusana | CHF 406.50 | View |
| 15 | Aquilana | CHF 407.00 | View |
| 16 | EGK | CHF 409.10 | View |
| 17 | Sumiswalder | CHF 419.70 | View |
| 18 | Mutuel | CHF 428.60 | View |
| 19 | Visana | CHF 442.10 | View |
| 20 | vita surselva | CHF 456.50 | View |
| 21 | Glarner | CHF 457.10 | View |
| 22 | Philos | CHF 470.40 | View |
| 23 | SLKK | CHF 484.20 | View |
| 24 | Einsiedler | CHF 492.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.