Assura-Basis — Region 3 of canton St. Gallen, 2026 premiums
Assura-Basis covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 285.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Assura-Basis ranks 5 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 457.98 a month.
What staying costs
Moving from Assura-Basis to Agrisano, the cheapest insurer in this region, saves CHF 402.00 a year for an adult on the same profile.
The full Assura-Basis table
396 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 300 | CHF 524.20 | CHF 435.10 |
| 500 | CHF 512.60 | CHF 423.50 |
| 1'000 | CHF 483.40 | CHF 394.30 |
| 1'500 | CHF 454.20 | CHF 365.10 |
| 2'000 | CHF 425.10 | CHF 336.00 |
| 2'500 | CHF 395.90 | CHF 306.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 300 | CHF 372.30 | CHF 309.10 |
| 500 | CHF 360.70 | CHF 297.50 |
| 1'000 | CHF 331.50 | CHF 268.30 |
| 1'500 | CHF 302.30 | CHF 239.10 |
| 2'000 | CHF 273.20 | CHF 210.00 |
| 2'500 | CHF 244.00 | CHF 200.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 0 | CHF 106.60 | CHF 88.50 |
| 100 | CHF 100.80 | CHF 82.70 |
| 200 | CHF 95.00 | CHF 76.90 |
| 300 | CHF 89.10 | CHF 71.00 |
| 400 | CHF 83.30 | CHF 65.20 |
| 500 | CHF 77.50 | CHF 59.40 |
| 600 | CHF 71.60 | CHF 57.40 |
With or without accident cover
With accident cover: CHF 524.20 a month. Without: CHF 487.60. Dropping it saves CHF 439.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 424.90 in 2025 to CHF 285.40 — a rise of 2.4 %.
The 23 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton St. Gallen, not to the municipality.
Altstätten · Balgach · Berneck · Bütschwil-Ganterschwil · Degersheim · Diepoldsau · Ebnat-Kappel · Eichberg · Gams · Grabs · Lichtensteig · Lütisburg · Marbach (SG) · Mosnang · Neckertal · Nesslau · Oberriet (SG) · Rebstein · Rüthi (SG) · Sennwald · Wattwil · Widnau · Wildhaus-Alt St. Johann
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 401.60 | View |
| SWICA | CHF 431.30 | View |
| KPT | CHF 431.80 | View |
| Galenos | CHF 434.40 | View |
| CONCORDIA | CHF 441.10 | View |
| Helsana | CHF 441.80 | View |
| Atupri | CHF 443.10 | View |
| sana24 | CHF 444.80 | View |
| Sanitas | CHF 445.80 | View |
| CSS | CHF 446.30 | View |
| ÖKK | CHF 447.10 | View |
| Aquilana | CHF 447.80 | View |
| Vivao Sympany | CHF 448.90 | View |
| EGK | CHF 454.50 | View |
| Sumiswalder | CHF 455.00 | View |
| rhenusana | CHF 457.10 | View |
| Mutuel | CHF 464.30 | View |
| vita surselva | CHF 465.50 | View |
| Avenir | CHF 471.40 | View |
| Glarner | CHF 490.50 | View |
| Visana | CHF 505.00 | View |
| SLKK | CHF 506.80 | View |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.