Free choice of doctor with a CHF 300 deductible in Region 3 of canton St. Gallen
25 insurers offer a Free choice of doctor with a CHF 300 deductible in Region 3. The lowest premium is CHF 467.00 a month for an adult, accident cover included.
Where the saving comes from
The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.
What the deductible risks
This is the minimum deductible: no extra risk compared with the reference.
The insurers, cheapest to dearest
25 insurers offer this combination in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Agrisano | Grundversicherung | CHF 467.00 | View |
| 2 | vita surselva | Grundversicherung | CHF 490.00 | View |
| 3 | Sumiswalder | Grundversicherung | CHF 494.50 | View |
| 4 | KPT | Grundversicherung | CHF 507.70 | View |
| 5 | ÖKK | Grundversicherung | CHF 508.00 | View |
| 6 | SWICA | Grundversicherung | CHF 508.90 | View |
| 7 | EGK | Grundversicherung | CHF 510.60 | View |
| 8 | Atupri | Grundversicherung | CHF 511.10 | View |
| 9 | Galenos | Grundversicherung | CHF 511.60 | View |
| 10 | Sanitas | Grundversicherung | CHF 512.40 | View |
| 11 | Aquilana | Grundversicherung | CHF 514.70 | View |
| 12 | CONCORDIA | Grundversicherung | CHF 515.80 | View |
| 13 | CSS | Grundversicherung | CHF 516.00 | View |
| 14 | Glarner | Grundversicherung | CHF 516.30 | View |
| 15 | sana24 | Grundversicherung | CHF 517.20 | View |
| 16 | Assura-Basis | Grundversicherung | CHF 524.20 | View |
| 17 | Vivao Sympany | Grundversicherung | CHF 525.00 | View |
| 18 | rhenusana | Grundversicherung | CHF 525.40 | View |
| 19 | Einsiedler | Grundversicherung | CHF 525.95 | View |
| 20 | Helsana | Grundversicherung | CHF 526.00 | View |
| 21 | Mutuel | Grundversicherung | CHF 530.60 | View |
| 22 | Avenir | Grundversicherung | CHF 538.80 | View |
| 23 | SLKK | Grundversicherung | CHF 589.30 | View |
| 24 | Visana | Grundversicherung | CHF 594.10 | View |
| 25 | Philos | Grundversicherung | CHF 599.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.