Avenir — Region 1 of canton St. Gallen, 2026 premiums
Avenir covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 347.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 15 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 509.79 a month.
What staying costs
Moving from Avenir to Sanitas, the cheapest insurer in this region, saves CHF 262.20 a year for an adult on the same profile.
The full Avenir table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 573.10 | CHF 513.00 | CHF 501.50 | CHF 504.40 |
| 500 | CHF 561.60 | CHF 501.50 | CHF 490.00 | CHF 493.40 |
| 1'000 | CHF 532.60 | CHF 472.50 | CHF 461.00 | CHF 465.90 |
| 1'500 | CHF 503.10 | CHF 443.00 | CHF 431.50 | CHF 437.90 |
| 2'000 | CHF 474.10 | CHF 414.00 | CHF 402.50 | CHF 410.30 |
| 2'500 | CHF 445.10 | CHF 385.00 | CHF 373.50 | CHF 382.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 433.50 | CHF 396.70 | CHF 379.40 | CHF 377.20 |
| 500 | CHF 422.00 | CHF 385.20 | CHF 367.90 | CHF 365.70 |
| 1'000 | CHF 393.00 | CHF 356.20 | CHF 338.90 | CHF 336.70 |
| 1'500 | CHF 363.50 | CHF 326.70 | CHF 309.40 | CHF 307.20 |
| 2'000 | CHF 334.50 | CHF 297.70 | CHF 280.40 | CHF 278.20 |
| 2'500 | CHF 305.50 | CHF 268.70 | CHF 251.40 | CHF 249.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 111.60 | CHF 103.20 | CHF 99.90 | CHF 99.90 |
| 100 | CHF 107.20 | CHF 98.90 | CHF 95.50 | CHF 95.50 |
| 200 | CHF 102.90 | CHF 94.50 | CHF 91.20 | CHF 91.20 |
| 300 | CHF 98.40 | CHF 90.10 | CHF 86.70 | CHF 86.70 |
| 400 | CHF 94.10 | CHF 85.70 | CHF 82.40 | CHF 82.40 |
| 500 | CHF 89.70 | CHF 81.40 | CHF 78.00 | CHF 78.00 |
| 600 | CHF 85.30 | CHF 77.00 | CHF 73.60 | CHF 73.60 |
With or without accident cover
With accident cover: CHF 573.10 a month. Without: CHF 533.00. Dropping it saves CHF 481.20 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 478.90 in 2025 to CHF 347.40 — a rise of 4.7 %.
The 8 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton St. Gallen, not to the municipality.
Gaiserwald · Gossau (SG) · Niederbüren · Niederhelfenschwil · Oberbüren · St. Gallen · Wil (SG) · Zuzwil (SG)
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Sanitas | CHF 479.65 | View |
| Vivao Sympany | CHF 479.70 | View |
| sana24 | CHF 482.70 | View |
| SWICA | CHF 482.90 | View |
| Helsana | CHF 483.60 | View |
| Agrisano | CHF 485.40 | View |
| ÖKK | CHF 485.80 | View |
| CONCORDIA | CHF 486.70 | View |
| KPT | CHF 487.30 | View |
| Atupri | CHF 489.30 | View |
| CSS | CHF 491.90 | View |
| Assura-Basis | CHF 492.20 | View |
| Aquilana | CHF 493.10 | View |
| Galenos | CHF 498.00 | View |
| rhenusana | CHF 505.60 | View |
| EGK | CHF 508.20 | View |
| Sumiswalder | CHF 510.90 | View |
| Mutuel | CHF 527.60 | View |
| Visana | CHF 541.30 | View |
| vita surselva | CHF 550.00 | View |
| Glarner | CHF 551.40 | View |
| SLKK | CHF 569.40 | View |
| Philos | CHF 569.40 | View |
| Einsiedler | CHF 591.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.