CHF 2'500 deductible in Region 2 of canton St. Gallen
At a CHF 2'500 deductible, 25 insurers offer a premium in Region 2 of canton St. Gallen. The lowest is CHF 309.30 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 2'500 deductible saves CHF 1'323.60 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'623.60 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 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 309.30 | View |
| 2 | Atupri | CHF 315.60 | View |
| 3 | CSS | CHF 316.10 | View |
| 4 | KPT | CHF 320.20 | View |
| 5 | SWICA | CHF 321.80 | View |
| 6 | CONCORDIA | CHF 327.70 | View |
| 7 | Sanitas | CHF 329.00 | View |
| 8 | EGK | CHF 329.50 | View |
| 9 | Assura-Basis | CHF 329.70 | View |
| 10 | Helsana | CHF 330.30 | View |
| 11 | Galenos | CHF 330.70 | View |
| 12 | ÖKK | CHF 335.90 | View |
| 13 | Aquilana | CHF 337.60 | View |
| 14 | sana24 | CHF 338.20 | View |
| 15 | rhenusana | CHF 347.20 | View |
| 16 | Vivao Sympany | CHF 351.40 | View |
| 17 | Sumiswalder | CHF 356.50 | View |
| 18 | Avenir | CHF 358.50 | View |
| 19 | Mutuel | CHF 362.70 | View |
| 20 | vita surselva | CHF 378.50 | View |
| 21 | Visana | CHF 386.00 | View |
| 22 | Glarner | CHF 389.10 | View |
| 23 | Philos | CHF 390.20 | View |
| 24 | SLKK | CHF 402.10 | View |
| 25 | Einsiedler | CHF 419.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.