Region 3 of canton St. Gallen — 2026 premiums

Region 3 of canton St. Gallen groups 23 municipalities that all pay the same rate. 25 insurers offer premiums here, from CHF 401.60 a month for an adult, 300-franc deductible, accident cover included.

The gap, in francs

Between the cheapest (CHF 401.60) and the dearest (CHF 525.95) in this region there is CHF 1'492.20 a year — for exactly the same cover, defined by law.

The insurers in Region 3, cheapest to dearest

25 active insurers. Each one’s lowest adult premium, 300-franc deductible, accident cover included.

Rank	Insurer	From
1	Agrisano	CHF 401.60	View
2	SWICA	CHF 431.30	View
3	KPT	CHF 431.80	View
4	Galenos	CHF 434.40	View
5	Assura-Basis	CHF 435.10	View
6	CONCORDIA	CHF 441.10	View
7	Helsana	CHF 441.80	View
8	Atupri	CHF 443.10	View
9	sana24	CHF 444.80	View
10	Sanitas	CHF 445.80	View
11	CSS	CHF 446.30	View
12	ÖKK	CHF 447.10	View
13	Aquilana	CHF 447.80	View
14	Vivao Sympany	CHF 448.90	View
15	EGK	CHF 454.50	View
16	Sumiswalder	CHF 455.00	View
17	rhenusana	CHF 457.10	View
18	Mutuel	CHF 464.30	View
19	vita surselva	CHF 465.50	View
20	Avenir	CHF 471.40	View
21	Glarner	CHF 490.50	View
22	Visana	CHF 505.00	View
23	SLKK	CHF 506.80	View
24	Philos	CHF 512.50	View
25	Einsiedler	CHF 525.95	View

The lowest price at each deductible

The deductible changes no benefits, only how the risk is shared. Here is what the region’s cheapest insurer charges at each level.

Deductible	From	Insurer
300	CHF 401.60	Agrisano
500	CHF 391.60	Agrisano
1'000	CHF 366.50	Agrisano
1'500	CHF 341.40	Agrisano
2'000	CHF 316.30	Agrisano
2'500	CHF 291.30	Agrisano

The lowest price for each model

The model limits who you see first, not the treatment. At a 300-franc deductible, here is the region’s lowest rate for each.

Model	From	Insurer
Other model	CHF 401.60	Agrisano
HMO practice	CHF 429.60	Agrisano
Family doctor	CHF 435.10	Assura-Basis
Free choice of doctor	CHF 467.00	Agrisano

Where this region sits in canton St. Gallen

It is the cheapest region in canton St. Gallen, out of 3.

Region	Municipalities	From
Region 3	23	CHF 401.60
Region 2	44	CHF 419.60
Region 1	8	CHF 479.65

Compared with last year

The region’s lowest premium goes from CHF 381.60 in 2025 to CHF 401.60 — a rise of 5.2 %.

What it costs, for someone like you

«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.

Health insurance as a student Health insurance in your first job Health insurance for a family of four Health insurance when self-employed Health insurance in retirement Health insurance when arriving in Switzerland Health insurance for a child Health insurance during an apprenticeship Health insurance when you are out of work Health insurance for two Health insurance as a cross-border worker Health insurance after retirement

The 23 municipalities in this region

They all pay exactly the same rate: under basic insurance the premium belongs to the region, not the municipality. Moving within this region of canton St. Gallen changes nothing about your premium.

Altstätten · Balgach · Berneck · Bütschwil-Ganterschwil · Degersheim · Diepoldsau · Ebnat-Kappel · Eichberg · Gams · Grabs · Lichtensteig · Lütisburg · Marbach (SG) · Mosnang · Neckertal · Nesslau · Oberriet (SG) · Rebstein · Rüthi (SG) · Sennwald · Wattwil · Widnau · Wildhaus-Alt St. Johann

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