Avenir — Region 3 of canton St. Gallen, 2026 premiums
Avenir covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 319.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 20 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 Avenir to Agrisano, the cheapest insurer in this region, saves CHF 837.60 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 538.80 | CHF 482.20 | CHF 471.40 | CHF 474.10 |
| 500 | CHF 527.30 | CHF 470.70 | CHF 459.90 | CHF 463.10 |
| 1'000 | CHF 498.30 | CHF 441.70 | CHF 430.90 | CHF 435.60 |
| 1'500 | CHF 468.80 | CHF 412.20 | CHF 401.40 | CHF 407.60 |
| 2'000 | CHF 439.80 | CHF 383.20 | CHF 372.40 | CHF 380.00 |
| 2'500 | CHF 410.80 | CHF 354.20 | CHF 343.40 | CHF 352.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 407.50 | CHF 372.90 | CHF 356.60 | CHF 354.60 |
| 500 | CHF 396.00 | CHF 361.40 | CHF 345.10 | CHF 343.10 |
| 1'000 | CHF 367.00 | CHF 332.40 | CHF 316.10 | CHF 314.10 |
| 1'500 | CHF 337.50 | CHF 302.90 | CHF 286.60 | CHF 284.60 |
| 2'000 | CHF 308.50 | CHF 273.90 | CHF 257.60 | CHF 255.60 |
| 2'500 | CHF 279.50 | CHF 244.90 | CHF 228.60 | CHF 226.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 104.90 | CHF 97.00 | CHF 93.90 | CHF 93.90 |
| 100 | CHF 100.50 | CHF 92.70 | CHF 89.50 | CHF 89.50 |
| 200 | CHF 96.20 | CHF 88.30 | CHF 85.20 | CHF 85.20 |
| 300 | CHF 91.80 | CHF 83.90 | CHF 80.80 | CHF 80.80 |
| 400 | CHF 87.40 | CHF 79.50 | CHF 76.40 | CHF 76.40 |
| 500 | CHF 83.10 | CHF 75.20 | CHF 72.10 | CHF 72.10 |
| 600 | CHF 78.60 | CHF 70.80 | CHF 67.60 | CHF 67.60 |
With or without accident cover
With accident cover: CHF 538.80 a month. Without: CHF 501.10. Dropping it saves CHF 452.40 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 450.20 in 2025 to CHF 319.40 — a rise of 4.7 %.
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 |
| Assura-Basis | CHF 435.10 | 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 |
| 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.