CHF 500 deductible in Region 3 of canton St. Gallen
At a CHF 500 deductible, 25 insurers offer a premium in Region 3 of canton St. Gallen. The lowest is CHF 391.60 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 500 deductible saves CHF 120.00 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 420.00 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 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 391.60 | View |
| 2 | SWICA | CHF 419.70 | View |
| 3 | KPT | CHF 420.20 | View |
| 4 | Galenos | CHF 422.70 | View |
| 5 | Assura-Basis | CHF 423.50 | View |
| 6 | CONCORDIA | CHF 429.50 | View |
| 7 | Helsana | CHF 430.20 | View |
| 8 | Atupri | CHF 431.50 | View |
| 9 | sana24 | CHF 433.20 | View |
| 10 | Sanitas | CHF 434.20 | View |
| 11 | CSS | CHF 434.70 | View |
| 12 | ÖKK | CHF 435.50 | View |
| 13 | Vivao Sympany | CHF 437.30 | View |
| 14 | Aquilana | CHF 437.70 | View |
| 15 | EGK | CHF 442.90 | View |
| 16 | Sumiswalder | CHF 443.40 | View |
| 17 | rhenusana | CHF 445.50 | View |
| 18 | Mutuel | CHF 452.80 | View |
| 19 | vita surselva | CHF 456.20 | View |
| 20 | Avenir | CHF 459.90 | View |
| 21 | Glarner | CHF 479.40 | View |
| 22 | SLKK | CHF 496.80 | View |
| 23 | Visana | CHF 498.40 | View |
| 24 | Philos | CHF 501.00 | View |
| 25 | Einsiedler | CHF 514.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.