CHF 1'500 deductible in Region 3 of canton St. Gallen
At a CHF 1'500 deductible, 25 insurers offer a premium in Region 3 of canton St. Gallen. The lowest is CHF 341.40 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 1'500 deductible saves CHF 722.40 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'022.40 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 341.40 | View |
| 2 | KPT | CHF 361.80 | View |
| 3 | Galenos | CHF 364.40 | View |
| 4 | Assura-Basis | CHF 365.10 | View |
| 5 | SWICA | CHF 366.40 | View |
| 6 | CONCORDIA | CHF 371.10 | View |
| 7 | Helsana | CHF 371.80 | View |
| 8 | Atupri | CHF 373.10 | View |
| 9 | sana24 | CHF 374.80 | View |
| 10 | Sanitas | CHF 375.80 | View |
| 11 | CSS | CHF 376.30 | View |
| 12 | ÖKK | CHF 377.10 | View |
| 13 | Vivao Sympany | CHF 378.90 | View |
| 14 | EGK | CHF 384.50 | View |
| 15 | Sumiswalder | CHF 385.00 | View |
| 16 | Aquilana | CHF 387.00 | View |
| 17 | rhenusana | CHF 387.20 | View |
| 18 | Mutuel | CHF 394.30 | View |
| 19 | vita surselva | CHF 395.65 | View |
| 20 | Avenir | CHF 401.40 | View |
| 21 | Glarner | CHF 424.00 | View |
| 22 | Visana | CHF 435.00 | View |
| 23 | Philos | CHF 442.50 | View |
| 24 | SLKK | CHF 446.60 | View |
| 25 | Einsiedler | CHF 456.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.