Family doctor with a CHF 300 deductible in Region 1 of canton St. Gallen

22 insurers offer a Family doctor with a CHF 300 deductible in Region 1. The lowest premium is CHF 479.65 a month for an adult, accident cover included.

What this combination earns

Against free choice of doctor at the minimum deductible, whose lowest premium is CHF 536.40, this combination saves CHF 681.00 a year.

Where the saving comes from

The model contributes about CHF 681.00 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.

What the deductible risks

This is the minimum deductible: no extra risk compared with the reference.

The insurers, cheapest to dearest

22 insurers offer this combination in this region, with the trade name of their plan.

Rank	Insurer	Plan name	Premium
1	Sanitas	Hausarztmodell 1	CHF 479.65	View
2	SWICA	FAVORIT MULTICHOICE	CHF 482.90	View
3	Helsana	BeneFit PLUS Hausarzt R2	CHF 483.60	View
4	CSS	Hausarztversicherung Profit	CHF 491.90	View
5	Assura-Basis	FeminaVita	CHF 492.20	View
6	Vivao Sympany	casamed hausarzt	CHF 493.70	View
7	ÖKK	Hausarzt	CHF 496.80	View
8	CONCORDIA	MyDoc	CHF 506.60	View
9	KPT	KPTwin.doc	CHF 509.80	View
10	Sumiswalder	Hausarzt	CHF 510.90	View
11	Atupri	CareMed	CHF 512.80	View
12	Avenir	PrimaCare	CHF 513.00	View
13	Aquilana	CASAMED	CHF 515.70	View
14	EGK	EGK-Care	CHF 528.40	View
15	rhenusana	Hausarzt-Modell	CHF 531.20	View
16	Galenos	Med Direct	CHF 538.30	View
17	sana24	Med Direct	CHF 538.40	View
18	Visana	Med Direct	CHF 548.30	View
19	Mutuel	PrimaCare	CHF 548.70	View
20	vita surselva	Sparmed	CHF 550.00	View
21	SLKK	SLKK-HomeCare	CHF 595.90	View
22	Philos	PrimaCare	CHF 596.00	View

Source: Federal Office of Public Health (FOPH), official premiums. 2026.