CONCORDIA — Region 1 of canton St. Gallen, 2026 premiums
CONCORDIA covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 338.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CONCORDIA ranks 8 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 CONCORDIA to Sanitas, the cheapest insurer in this region, saves CHF 84.60 a year for an adult on the same profile.
The full CONCORDIA table
208 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 569.20 | CHF 506.60 | CHF 486.70 | CHF 492.40 |
| 500 | CHF 557.60 | CHF 495.00 | CHF 475.10 | CHF 480.80 |
| 1'000 | CHF 528.40 | CHF 465.80 | CHF 445.90 | CHF 451.60 |
| 1'500 | CHF 499.20 | CHF 436.60 | CHF 416.70 | CHF 422.40 |
| 2'000 | CHF 470.10 | CHF 407.50 | CHF 387.60 | CHF 393.30 |
| 2'500 | CHF 440.90 | CHF 378.30 | CHF 358.40 | CHF 364.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 426.90 | CHF 380.00 | CHF 365.00 | CHF 369.30 |
| 500 | CHF 415.30 | CHF 368.40 | CHF 353.40 | CHF 357.70 |
| 1'000 | CHF 386.10 | CHF 339.20 | CHF 324.20 | CHF 328.50 |
| 1'500 | CHF 356.90 | CHF 310.00 | CHF 295.00 | CHF 299.30 |
| 2'000 | CHF 327.80 | CHF 280.90 | CHF 265.90 | CHF 270.20 |
| 2'500 | CHF 298.60 | CHF 251.70 | CHF 236.70 | CHF 241.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 68.40 | CHF 60.90 | CHF 58.50 | CHF 59.20 |
| 100 | CHF 62.60 | CHF 55.10 | CHF 52.70 | CHF 53.40 |
| 200 | CHF 56.80 | CHF 49.30 | CHF 46.90 | CHF 47.60 |
| 300 | CHF 50.90 | CHF 43.40 | CHF 41.00 | CHF 41.70 |
| 400 | CHF 45.10 | CHF 37.60 | CHF 36.20 | CHF 36.20 |
| 500 | CHF 39.30 | CHF 36.20 | CHF 36.20 | CHF 36.20 |
| 600 | CHF 36.20 | CHF 36.20 | CHF 36.20 | CHF 36.20 |
With or without accident cover
With accident cover: CHF 569.20 a month. Without: CHF 537.90. Dropping it saves CHF 375.60 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 453.80 in 2025 to CHF 338.70 — a rise of 7.2 %.
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 |
| 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 |
| Avenir | CHF 501.50 | 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.