CHF 500 deductible in Region 1 of canton St. Gallen
At a CHF 500 deductible, 25 insurers offer a premium in Region 1 of canton St. Gallen. The lowest is CHF 468.00 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 500 deductible saves CHF 139.80 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 439.80 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
25 insurers at a CHF 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Vivao Sympany | CHF 468.00 | View |
| 2 | Sanitas | CHF 468.05 | View |
| 3 | sana24 | CHF 471.10 | View |
| 4 | SWICA | CHF 471.30 | View |
| 5 | Helsana | CHF 472.00 | View |
| 6 | ÖKK | CHF 474.20 | View |
| 7 | Agrisano | CHF 474.90 | View |
| 8 | CONCORDIA | CHF 475.10 | View |
| 9 | KPT | CHF 475.70 | View |
| 10 | Atupri | CHF 477.70 | View |
| 11 | CSS | CHF 480.30 | View |
| 12 | Assura-Basis | CHF 480.60 | View |
| 13 | Aquilana | CHF 483.10 | View |
| 14 | Galenos | CHF 486.40 | View |
| 15 | Avenir | CHF 490.00 | View |
| 16 | rhenusana | CHF 494.00 | View |
| 17 | EGK | CHF 496.60 | View |
| 18 | Sumiswalder | CHF 500.10 | View |
| 19 | Mutuel | CHF 516.10 | View |
| 20 | Visana | CHF 534.60 | View |
| 21 | vita surselva | CHF 539.00 | View |
| 22 | Glarner | CHF 540.30 | View |
| 23 | Philos | CHF 557.90 | View |
| 24 | SLKK | CHF 559.40 | View |
| 25 | Einsiedler | CHF 579.60 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.