HMO practice in Region 3 of canton St. Gallen
14 of 25 insurers offer a HMO practice in Region 3 of canton St. Gallen. The lowest premium is CHF 429.60 a month for an adult, 300-franc deductible, accident cover included.
What this model earns
With free choice of doctor the region’s lowest premium is CHF 467.00. This HMO practice therefore saves CHF 448.80 a year, for identical statutory cover.
The ranking, cheapest to dearest
14 insurers offer this model in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Agrisano | AGRIeco | CHF 429.60 | View |
| 2 | SWICA | FAVORIT SANTE | CHF 431.30 | View |
| 3 | KPT | KPTwin.plus | CHF 435.60 | View |
| 4 | CONCORDIA | HMO | CHF 441.10 | View |
| 5 | ÖKK | Gesundheitszentrum | CHF 447.10 | View |
| 6 | Vivao Sympany | casamed hmo | CHF 448.90 | View |
| 7 | Atupri | HMO | CHF 458.50 | View |
| 8 | Sanitas | MultiAccess | CHF 466.30 | View |
| 9 | Mutuel | OptiMed | CHF 466.90 | View |
| 10 | Galenos | Managed Care | CHF 469.20 | View |
| 11 | Avenir | OptiMed | CHF 471.40 | View |
| 12 | sana24 | Managed Care | CHF 475.90 | View |
| 13 | Visana | Managed Care | CHF 505.00 | View |
| 14 | Philos | OptiMed | CHF 512.50 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.