Other model with a CHF 300 deductible in Region 2 of canton St. Gallen

22 insurers offer a Other model with a CHF 300 deductible in Region 2. The lowest premium is CHF 419.60 a month for an adult, accident cover included.

What this combination earns

Against free choice of doctor at the minimum deductible, whose lowest premium is CHF 487.90, this combination saves CHF 819.60 a year.

Where the saving comes from

The model contributes about CHF 819.60 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

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

22 insurers offer this combination in this region, with the trade name of their plan.

Rank	Insurer	Plan name	Premium
1	Agrisano	AGRIsmart	CHF 419.60	View
2	Atupri	SmartCare	CHF 445.20	View
3	KPT	KPTwin.smart	CHF 448.50	View
4	Aquilana	SMARTMED	CHF 457.10	View
5	Sanitas	TelMed (Compact One)	CHF 457.30	View
6	EGK	EGK-TelCare	CHF 457.80	View
7	Galenos	Combi Care	CHF 459.00	View
8	CONCORDIA	smartDoc	CHF 461.40	View
9	ÖKK	Select	CHF 466.20	View
10	sana24	Combi Care	CHF 466.50	View
11	rhenusana	sanmed24	CHF 471.10	View
12	Sumiswalder	Telmed	CHF 474.50	View
13	Helsana	BeneFit PLUS Telmed	CHF 480.40	View
14	CSS	Callmed	CHF 481.40	View
15	Vivao Sympany	FlexHelp 24	CHF 482.50	View
16	SWICA	FAVORIT TELMED	CHF 483.40	View
17	Avenir	PrimaFlex	CHF 489.20	View
18	Mutuel	SanaTel	CHF 490.70	View
19	Glarner	Glarnermed-24	CHF 511.10	View
20	SLKK	SLKK-SmartMed	CHF 512.50	View
21	Philos	PrimaFlex	CHF 518.20	View
22	Visana	Tel Care	CHF 521.00	View

Source: Federal Office of Public Health (FOPH), official premiums. 2026.