Other model with a CHF 300 deductible in Region 1 of canton St. Gallen

22 insurers offer a Other model with a CHF 300 deductible in Region 1. The lowest premium is CHF 482.50 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 646.80 a year.

Where the saving comes from

The model contributes about CHF 646.80 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	Vivao Sympany	FlexHelp 24	CHF 482.50	View
2	sana24	Combi Care	CHF 482.70	View
3	Helsana	BeneFit PLUS Telmed	CHF 483.60	View
4	Agrisano	AGRIcontact	CHF 485.40	View
5	KPT	KPTwin.smart	CHF 487.30	View
6	Atupri	SmartCare	CHF 489.30	View
7	CONCORDIA	smartDoc	CHF 492.40	View
8	Aquilana	SMARTMED	CHF 493.10	View
9	Sanitas	TelMed (Compact One)	CHF 496.20	View
10	ÖKK	Select	CHF 496.80	View
11	Galenos	Combi Care	CHF 498.00	View
12	Avenir	PrimaFlex	CHF 504.40	View
13	rhenusana	sanmed24	CHF 505.60	View
14	EGK	EGK-TelCare	CHF 508.20	View
15	Sumiswalder	Telmed	CHF 510.90	View
16	CSS	Callmed	CHF 517.70	View
17	Mutuel	SanaTel	CHF 527.60	View
18	SWICA	FAVORIT TELMED	CHF 528.00	View
19	Visana	Tel Care	CHF 548.30	View
20	Glarner	Glarnermed-24	CHF 551.40	View
21	SLKK	SLKK-SmartMed	CHF 569.40	View
22	Philos	PrimaFlex	CHF 569.40	View

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