Assura-Basis or Visana in Region 2 of canton St. Gallen?
In Region 2, Assura-Basis is CHF 675.60 a year cheaper than Visana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 458.00 a month, Visana to CHF 514.30. The gap is CHF 675.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to Assura-Basis is worth CHF 460.80 more a year. Agrisano
Where they stand in the region
Assura-Basis ranks 11 and Visana ranks 23, out of 25 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Assura-Basis | Visana | Gap |
|---|---|---|---|
| 300 | CHF 551.70 | CHF 605.70 | − 54.00 |
| 500 | CHF 540.10 | CHF 599.00 | − 58.90 |
| 1'000 | CHF 510.90 | CHF 564.90 | − 54.00 |
| 1'500 | CHF 481.70 | CHF 535.70 | − 54.00 |
| 2'000 | CHF 452.60 | CHF 506.50 | − 53.90 |
| 2'500 | CHF 423.40 | CHF 477.40 | − 54.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | Visana |
|---|---|---|
| Family doctor | CHF 458.00 | CHF 521.00 |
| Free choice of doctor | CHF 551.70 | CHF 605.70 |
| HMO practice | — | CHF 514.30 |
| Other model | — | CHF 521.00 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.4 % and Visana by + 1.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.