CHF 1'000 deductible in Region 3 of canton St. Gallen
At a CHF 1'000 deductible, 25 insurers offer a premium in Region 3 of canton St. Gallen. The lowest is CHF 366.50 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 401.60, the CHF 1'000 deductible saves CHF 421.20 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 721.20 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 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 366.50 | View |
| 2 | KPT | CHF 391.00 | View |
| 3 | Galenos | CHF 393.60 | View |
| 4 | Assura-Basis | CHF 394.30 | View |
| 5 | SWICA | CHF 395.60 | View |
| 6 | CONCORDIA | CHF 400.30 | View |
| 7 | Helsana | CHF 401.00 | View |
| 8 | Atupri | CHF 402.30 | View |
| 9 | sana24 | CHF 404.00 | View |
| 10 | Sanitas | CHF 405.00 | View |
| 11 | CSS | CHF 405.50 | View |
| 12 | ÖKK | CHF 406.30 | View |
| 13 | Vivao Sympany | CHF 408.10 | View |
| 14 | Aquilana | CHF 412.30 | View |
| 15 | EGK | CHF 413.70 | View |
| 16 | Sumiswalder | CHF 414.30 | View |
| 17 | rhenusana | CHF 416.30 | View |
| 18 | Mutuel | CHF 423.80 | View |
| 19 | vita surselva | CHF 428.25 | View |
| 20 | Avenir | CHF 430.90 | View |
| 21 | Glarner | CHF 451.70 | View |
| 22 | Visana | CHF 464.20 | View |
| 23 | SLKK | CHF 471.70 | View |
| 24 | Philos | CHF 472.00 | View |
| 25 | Einsiedler | CHF 485.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.