Avenir in the canton of St. Gallen — 2026 premiums
Avenir covers the 75 municipalities of the canton of St. Gallen. Its lowest adult premium there is CHF 471.40 a month, with a 300-franc deductible and accident cover included.
Where it stands
Avenir ranks 20 out of 25 active insurers in the canton of St. Gallen, cheapest to dearest.
The cantonal average across all insurers is CHF 457.90 a month.
What switching would save you
Moving from Avenir to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 837.60 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of St. Gallen
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
The models offered by Avenir
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| HMO practice — OptiMed | CHF 501.50 |
| Other model — PrimaFlex | CHF 504.40 |
| Family doctor — PrimaCare | CHF 513.00 |
| Free choice of doctor — Grundversicherung | CHF 573.10 |
The twelve years, year by year
Since 2015, the lowest Avenir premium here has moved by +72.2 %, against +62.6 % for the cheapest insurer in the same place. The twelve years, year by year
Same group, a different price
- In this region Mutuel belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 85.20 less per year, for cover the law defines word for word the same way. CHF 464.30
- In this region Philos belongs to the same group — Groupe Mutuel — and costs CHF 493.20 more per year. You are already on the right side. CHF 512.50
Two brands of the same house share reserves and management; their prices do not. Switching inside a group is still a real change of contract: the same cancellation rules apply.
The other insurers in the canton of St. Gallen
25 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 401.60 | View |
| SWICA Assurance-maladie SA | CHF 431.30 | View |
| KPT Caisse-maladie SA | CHF 431.80 | View |
| Galenos AG | CHF 434.40 | View |
| Assura-Basis SA | CHF 435.10 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 441.10 | View |
| Helsana Assurances SA | CHF 441.80 | View |
| Atupri Assurance de la santé SA | CHF 443.10 | View |
| CSS Assurance-maladie SA | CHF 444.40 | View |
| sana24 AG | CHF 444.80 | View |
| Sanitas Grundversicherungen AG | CHF 445.80 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 447.10 | View |
| Aquilana Versicherungen | CHF 447.80 | View |
| Vivao Sympany SA | CHF 448.90 | View |
| EGK Grundversicherungen AG | CHF 454.50 | View |
| Sumiswalder Krankenkasse | CHF 455.00 | View |
| rhenusana | CHF 457.10 | View |
| Mutuel Assurance Maladie SA | CHF 464.30 | View |
| vita surselva | CHF 465.50 | View |
| Genossenschaft Glarner Krankenversicherung | CHF 490.50 | View |
| Visana AG | CHF 505.00 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 506.80 | View |
| Philos Assurance Maladie SA | CHF 512.50 | View |
| Einsiedler Krankenkasse | CHF 525.95 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.