CHF 1'500 deductible in Region 2 of canton St. Gallen
At a CHF 1'500 deductible, 25 insurers offer a premium in Region 2 of canton St. Gallen. The lowest is CHF 359.40 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 1'500 deductible saves CHF 722.40 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'022.40 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 359.40 | View |
| 2 | Atupri | CHF 373.90 | View |
| 3 | CSS | CHF 374.40 | View |
| 4 | KPT | CHF 378.50 | View |
| 5 | SWICA | CHF 385.40 | View |
| 6 | ÖKK | CHF 385.90 | View |
| 7 | CONCORDIA | CHF 386.00 | View |
| 8 | Sanitas | CHF 387.30 | View |
| 9 | EGK | CHF 387.80 | View |
| 10 | Assura-Basis | CHF 388.00 | View |
| 11 | Helsana | CHF 388.60 | View |
| 12 | Galenos | CHF 389.00 | View |
| 13 | Aquilana | CHF 396.30 | View |
| 14 | sana24 | CHF 396.50 | View |
| 15 | rhenusana | CHF 401.10 | View |
| 16 | Vivao Sympany | CHF 409.70 | View |
| 17 | Sumiswalder | CHF 410.10 | View |
| 18 | Avenir | CHF 416.50 | View |
| 19 | Mutuel | CHF 420.70 | View |
| 20 | vita surselva | CHF 440.20 | View |
| 21 | Visana | CHF 444.30 | View |
| 22 | Glarner | CHF 444.60 | View |
| 23 | Philos | CHF 448.20 | View |
| 24 | SLKK | CHF 452.30 | View |
| 25 | Einsiedler | CHF 478.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.