CHF 1'000 deductible in Region 2 of canton St. Gallen
At a CHF 1'000 deductible, 25 insurers offer a premium in Region 2 of canton St. Gallen. The lowest is CHF 384.50 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 419.60, the CHF 1'000 deductible saves CHF 421.20 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 721.20 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 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 384.50 | View |
| 2 | Atupri | CHF 403.10 | View |
| 3 | CSS | CHF 403.60 | View |
| 4 | KPT | CHF 407.70 | View |
| 5 | SWICA | CHF 414.60 | View |
| 6 | ÖKK | CHF 415.10 | View |
| 7 | CONCORDIA | CHF 415.20 | View |
| 8 | Sanitas | CHF 416.50 | View |
| 9 | EGK | CHF 417.00 | View |
| 10 | Assura-Basis | CHF 417.20 | View |
| 11 | Helsana | CHF 417.80 | View |
| 12 | Galenos | CHF 418.20 | View |
| 13 | Aquilana | CHF 421.70 | View |
| 14 | sana24 | CHF 425.70 | View |
| 15 | rhenusana | CHF 430.30 | View |
| 16 | Sumiswalder | CHF 436.90 | View |
| 17 | Vivao Sympany | CHF 438.90 | View |
| 18 | Avenir | CHF 446.00 | View |
| 19 | Mutuel | CHF 450.20 | View |
| 20 | vita surselva | CHF 465.50 | View |
| 21 | Glarner | CHF 472.20 | View |
| 22 | Visana | CHF 473.50 | View |
| 23 | SLKK | CHF 477.40 | View |
| 24 | Philos | CHF 477.70 | View |
| 25 | Einsiedler | CHF 507.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.