Free choice of doctor with a CHF 300 deductible in Region 2 of canton St. Gallen
25 insurers offer a Free choice of doctor with a CHF 300 deductible in Region 2. The lowest premium is CHF 487.90 a month for an adult, accident cover included.
Where the saving comes from
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
25 insurers offer this combination in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Agrisano | Grundversicherung | CHF 487.90 | View |
| 2 | Atupri | Grundversicherung | CHF 511.10 | View |
| 3 | Sumiswalder | Grundversicherung | CHF 515.70 | View |
| 4 | ÖKK | Grundversicherung | CHF 518.00 | View |
| 5 | Aquilana | Grundversicherung | CHF 525.40 | View |
| 6 | EGK | Grundversicherung | CHF 526.10 | View |
| 7 | KPT | Grundversicherung | CHF 528.60 | View |
| 8 | CSS | Grundversicherung | CHF 529.00 | View |
| 9 | vita surselva | Grundversicherung | CHF 532.00 | View |
| 10 | SWICA | Grundversicherung | CHF 532.60 | View |
| 11 | rhenusana | Grundversicherung | CHF 532.90 | View |
| 12 | CONCORDIA | Grundversicherung | CHF 533.30 | View |
| 13 | Sanitas | Grundversicherung | CHF 537.90 | View |
| 14 | Glarner | Grundversicherung | CHF 537.95 | View |
| 15 | sana24 | Grundversicherung | CHF 542.40 | View |
| 16 | Galenos | Grundversicherung | CHF 545.10 | View |
| 17 | Helsana | Grundversicherung | CHF 546.00 | View |
| 18 | Einsiedler | Grundversicherung | CHF 547.95 | View |
| 19 | Assura-Basis | Grundversicherung | CHF 551.70 | View |
| 20 | Avenir | Grundversicherung | CHF 556.00 | View |
| 21 | Mutuel | Grundversicherung | CHF 560.70 | View |
| 22 | Vivao Sympany | Grundversicherung | CHF 561.00 | View |
| 23 | SLKK | Grundversicherung | CHF 595.90 | View |
| 24 | Visana | Grundversicherung | CHF 605.70 | View |
| 25 | Philos | Grundversicherung | CHF 606.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.