CHF 500 deductible in Region 2 of canton St. Gallen
At a CHF 500 deductible, 25 insurers offer a premium in Region 2 of canton St. Gallen. The lowest is CHF 409.50 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 500 deductible saves CHF 121.20 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 421.20 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 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 409.50 | View |
| 2 | Atupri | CHF 432.30 | View |
| 3 | CSS | CHF 432.80 | View |
| 4 | KPT | CHF 436.90 | View |
| 5 | SWICA | CHF 438.40 | View |
| 6 | ÖKK | CHF 444.30 | View |
| 7 | CONCORDIA | CHF 444.40 | View |
| 8 | Sanitas | CHF 445.70 | View |
| 9 | EGK | CHF 446.20 | View |
| 10 | Assura-Basis | CHF 446.40 | View |
| 11 | Helsana | CHF 447.00 | View |
| 12 | Aquilana | CHF 447.10 | View |
| 13 | Galenos | CHF 447.40 | View |
| 14 | sana24 | CHF 454.90 | View |
| 15 | rhenusana | CHF 459.50 | View |
| 16 | Sumiswalder | CHF 463.70 | View |
| 17 | Vivao Sympany | CHF 468.00 | View |
| 18 | Avenir | CHF 475.00 | View |
| 19 | Mutuel | CHF 479.20 | View |
| 20 | vita surselva | CHF 495.90 | View |
| 21 | Glarner | CHF 499.90 | View |
| 22 | SLKK | CHF 502.50 | View |
| 23 | Philos | CHF 506.70 | View |
| 24 | Visana | CHF 507.60 | View |
| 25 | Einsiedler | CHF 536.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.