CHF 2'500 deductible in Region 1 of canton St. Gallen
At a CHF 2'500 deductible, 25 insurers offer a premium in Region 1 of canton St. Gallen. The lowest is CHF 351.35 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 2'500 deductible saves CHF 1'539.60 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'839.60 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 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Sanitas | CHF 351.35 | View |
| 2 | Vivao Sympany | CHF 351.40 | View |
| 3 | sana24 | CHF 354.40 | View |
| 4 | SWICA | CHF 354.60 | View |
| 5 | Helsana | CHF 355.30 | View |
| 6 | CONCORDIA | CHF 358.40 | View |
| 7 | KPT | CHF 359.00 | View |
| 8 | Atupri | CHF 361.00 | View |
| 9 | CSS | CHF 363.60 | View |
| 10 | Assura-Basis | CHF 363.90 | View |
| 11 | ÖKK | CHF 365.80 | View |
| 12 | Agrisano | CHF 369.30 | View |
| 13 | Galenos | CHF 369.70 | View |
| 14 | Aquilana | CHF 372.80 | View |
| 15 | Avenir | CHF 373.50 | View |
| 16 | EGK | CHF 379.90 | View |
| 17 | rhenusana | CHF 381.60 | View |
| 18 | Sumiswalder | CHF 392.90 | View |
| 19 | Mutuel | CHF 399.60 | View |
| 20 | Visana | CHF 413.00 | View |
| 21 | Glarner | CHF 429.40 | View |
| 22 | vita surselva | CHF 435.05 | View |
| 23 | Philos | CHF 441.40 | View |
| 24 | SLKK | CHF 459.10 | View |
| 25 | Einsiedler | CHF 462.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.