CONCORDIA — Region 2 of canton St. Gallen, 2026 premiums
CONCORDIA covers the 44 municipalities of Region 2 in canton St. Gallen. Its lowest adult premium here is CHF 309.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CONCORDIA ranks 7 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 CONCORDIA to Agrisano, the cheapest insurer in this region, saves CHF 436.80 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 533.30 | CHF 474.70 | CHF 456.00 | CHF 461.40 |
| 500 | CHF 521.70 | CHF 463.10 | CHF 444.40 | CHF 449.80 |
| 1'000 | CHF 492.50 | CHF 433.90 | CHF 415.20 | CHF 420.60 |
| 1'500 | CHF 463.30 | CHF 404.70 | CHF 386.00 | CHF 391.40 |
| 2'000 | CHF 434.20 | CHF 375.60 | CHF 356.90 | CHF 362.30 |
| 2'500 | CHF 405.00 | CHF 346.40 | CHF 327.70 | CHF 333.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 400.00 | CHF 356.00 | CHF 342.00 | CHF 346.00 |
| 500 | CHF 388.40 | CHF 344.40 | CHF 330.40 | CHF 334.40 |
| 1'000 | CHF 359.20 | CHF 315.20 | CHF 301.20 | CHF 305.20 |
| 1'500 | CHF 330.00 | CHF 286.00 | CHF 272.00 | CHF 276.00 |
| 2'000 | CHF 300.90 | CHF 256.90 | CHF 242.90 | CHF 246.90 |
| 2'500 | CHF 271.70 | CHF 227.70 | CHF 213.70 | CHF 217.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 64.00 | CHF 57.00 | CHF 54.80 | CHF 55.40 |
| 100 | CHF 58.20 | CHF 51.20 | CHF 49.00 | CHF 49.60 |
| 200 | CHF 52.40 | CHF 45.40 | CHF 43.20 | CHF 43.80 |
| 300 | CHF 46.50 | CHF 39.50 | CHF 37.30 | CHF 37.90 |
| 400 | CHF 40.70 | CHF 33.90 | CHF 33.90 | CHF 33.90 |
| 500 | CHF 34.90 | CHF 33.90 | CHF 33.90 | CHF 33.90 |
| 600 | CHF 33.90 | CHF 33.90 | CHF 33.90 | CHF 33.90 |
With or without accident cover
With accident cover: CHF 533.30 a month. Without: CHF 504.00. Dropping it saves CHF 351.60 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 425.20 in 2025 to CHF 309.70 — a rise of 7.2 %.
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 |
| 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 |
| Avenir | CHF 486.50 | 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.