CHF 2'000 deductible in Region 3 of canton St. Gallen
At a CHF 2'000 deductible, 24 insurers offer a premium in Region 3 of canton St. Gallen. The lowest is CHF 316.30 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 2'000 deductible saves CHF 1'023.60 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'323.60 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
24 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 316.30 | View |
| 2 | SWICA | CHF 332.20 | View |
| 3 | Galenos | CHF 335.20 | View |
| 4 | Assura-Basis | CHF 336.00 | View |
| 5 | CONCORDIA | CHF 342.00 | View |
| 6 | Helsana | CHF 342.70 | View |
| 7 | Atupri | CHF 344.00 | View |
| 8 | sana24 | CHF 345.70 | View |
| 9 | Sanitas | CHF 346.70 | View |
| 10 | CSS | CHF 347.20 | View |
| 11 | ÖKK | CHF 348.00 | View |
| 12 | Vivao Sympany | CHF 349.80 | View |
| 13 | EGK | CHF 355.40 | View |
| 14 | Sumiswalder | CHF 355.90 | View |
| 15 | rhenusana | CHF 358.00 | View |
| 16 | Aquilana | CHF 361.60 | View |
| 17 | Mutuel | CHF 365.30 | View |
| 18 | vita surselva | CHF 367.75 | View |
| 19 | Avenir | CHF 372.40 | View |
| 20 | Glarner | CHF 396.30 | View |
| 21 | Visana | CHF 405.90 | View |
| 22 | Philos | CHF 413.50 | View |
| 23 | SLKK | CHF 421.50 | View |
| 24 | Einsiedler | CHF 426.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.