CHF 2'500 deductible in Region 3 of canton St. Gallen
At a CHF 2'500 deductible, 25 insurers offer a premium in Region 3 of canton St. Gallen. The lowest is CHF 291.30 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 2'500 deductible saves CHF 1'323.60 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'623.60 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
25 insurers at a CHF 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 291.30 | View |
| 2 | SWICA | CHF 303.00 | View |
| 3 | KPT | CHF 303.50 | View |
| 4 | Galenos | CHF 306.10 | View |
| 5 | Assura-Basis | CHF 306.80 | View |
| 6 | CONCORDIA | CHF 312.80 | View |
| 7 | Helsana | CHF 313.50 | View |
| 8 | Atupri | CHF 314.80 | View |
| 9 | sana24 | CHF 316.50 | View |
| 10 | Sanitas | CHF 317.50 | View |
| 11 | CSS | CHF 318.00 | View |
| 12 | Vivao Sympany | CHF 320.60 | View |
| 13 | EGK | CHF 326.20 | View |
| 14 | Sumiswalder | CHF 326.70 | View |
| 15 | ÖKK | CHF 327.10 | View |
| 16 | Aquilana | CHF 328.50 | View |
| 17 | rhenusana | CHF 335.10 | View |
| 18 | Mutuel | CHF 336.30 | View |
| 19 | Avenir | CHF 343.40 | View |
| 20 | vita surselva | CHF 344.45 | View |
| 21 | Glarner | CHF 368.60 | View |
| 22 | Visana | CHF 376.70 | View |
| 23 | Philos | CHF 384.50 | View |
| 24 | SLKK | CHF 396.40 | View |
| 25 | Einsiedler | CHF 397.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.