Avenir — Region 2 of canton St. Gallen, 2026 premiums
Avenir covers the 44 municipalities of Region 2 in canton St. Gallen. Its lowest adult premium here is CHF 333.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 18 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 473.81 a month.
What staying costs
Moving from Avenir to Agrisano, the cheapest insurer in this region, saves CHF 802.80 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 556.00 | CHF 497.60 | CHF 486.50 | CHF 489.20 |
| 500 | CHF 544.50 | CHF 486.10 | CHF 475.00 | CHF 478.20 |
| 1'000 | CHF 515.50 | CHF 457.10 | CHF 446.00 | CHF 450.70 |
| 1'500 | CHF 486.00 | CHF 427.60 | CHF 416.50 | CHF 422.70 |
| 2'000 | CHF 457.00 | CHF 398.60 | CHF 387.50 | CHF 395.10 |
| 2'500 | CHF 428.00 | CHF 369.60 | CHF 358.50 | CHF 367.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 420.50 | CHF 384.80 | CHF 368.00 | CHF 365.90 |
| 500 | CHF 409.00 | CHF 373.30 | CHF 356.50 | CHF 354.40 |
| 1'000 | CHF 380.00 | CHF 344.30 | CHF 327.50 | CHF 325.40 |
| 1'500 | CHF 350.50 | CHF 314.80 | CHF 298.00 | CHF 295.90 |
| 2'000 | CHF 321.50 | CHF 285.80 | CHF 269.00 | CHF 266.90 |
| 2'500 | CHF 292.50 | CHF 256.80 | CHF 240.00 | CHF 237.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 108.20 | CHF 100.10 | CHF 96.90 | CHF 96.90 |
| 100 | CHF 103.90 | CHF 95.80 | CHF 92.50 | CHF 92.50 |
| 200 | CHF 99.50 | CHF 91.40 | CHF 88.20 | CHF 88.20 |
| 300 | CHF 95.10 | CHF 87.00 | CHF 83.70 | CHF 83.70 |
| 400 | CHF 90.80 | CHF 82.60 | CHF 79.40 | CHF 79.40 |
| 500 | CHF 86.40 | CHF 78.30 | CHF 75.00 | CHF 75.00 |
| 600 | CHF 82.00 | CHF 73.90 | CHF 70.60 | CHF 70.60 |
With or without accident cover
With accident cover: CHF 556.00 a month. Without: CHF 517.00. Dropping it saves CHF 468.00 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 464.60 in 2025 to CHF 333.40 — a rise of 4.7 %.
The 44 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton St. Gallen, not to the municipality.
Amden · Andwil (SG) · Au (SG) · Bad Ragaz · Benken (SG) · Berg (SG) · Buchs (SG) · Eggersriet · Eschenbach (SG) · Flawil · Flums · Goldach · Gommiswald · Häggenschwil · Jonschwil · Kaltbrunn · Kirchberg (SG) · Mels · Muolen · Mörschwil · Oberuzwil · Pfäfers · Quarten · Rapperswil-Jona · Rheineck · Rorschach · Rorschacherberg · Sargans · Schmerikon · Schänis · Sevelen · St. Margrethen · Steinach · Thal · Tübach · Untereggen · Uznach · Uzwil · Vilters-Wangs · Waldkirch · Walenstadt · Wartau · Weesen · Wittenbach
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 419.60 | View |
| Atupri | CHF 443.90 | View |
| CSS | CHF 444.40 | View |
| KPT | CHF 448.50 | View |
| SWICA | CHF 450.10 | View |
| ÖKK | CHF 455.90 | View |
| CONCORDIA | CHF 456.00 | View |
| Aquilana | CHF 457.10 | View |
| Sanitas | CHF 457.30 | View |
| EGK | CHF 457.80 | View |
| Assura-Basis | CHF 458.00 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 459.00 | View |
| sana24 | CHF 466.50 | View |
| rhenusana | CHF 471.10 | View |
| Sumiswalder | CHF 474.50 | View |
| Vivao Sympany | CHF 479.70 | View |
| Mutuel | CHF 490.70 | View |
| vita surselva | CHF 506.00 | View |
| Glarner | CHF 511.10 | View |
| SLKK | CHF 512.50 | View |
| Visana | CHF 514.30 | View |
| Philos | CHF 518.20 | View |
| Einsiedler | CHF 547.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.