CONCORDIA — Region 3 of canton St. Gallen, 2026 premiums
CONCORDIA covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 295.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CONCORDIA ranks 6 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 CONCORDIA to Agrisano, the cheapest insurer in this region, saves CHF 474.00 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 515.80 | CHF 459.10 | CHF 441.10 | CHF 446.20 |
| 500 | CHF 504.20 | CHF 447.50 | CHF 429.50 | CHF 434.60 |
| 1'000 | CHF 475.00 | CHF 418.30 | CHF 400.30 | CHF 405.40 |
| 1'500 | CHF 445.80 | CHF 389.10 | CHF 371.10 | CHF 376.20 |
| 2'000 | CHF 416.70 | CHF 360.00 | CHF 342.00 | CHF 347.10 |
| 2'500 | CHF 387.50 | CHF 330.80 | CHF 312.80 | CHF 317.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 386.90 | CHF 344.40 | CHF 330.80 | CHF 334.70 |
| 500 | CHF 375.30 | CHF 332.80 | CHF 319.20 | CHF 323.10 |
| 1'000 | CHF 346.10 | CHF 303.60 | CHF 290.00 | CHF 293.90 |
| 1'500 | CHF 316.90 | CHF 274.40 | CHF 260.80 | CHF 264.70 |
| 2'000 | CHF 287.80 | CHF 245.30 | CHF 231.70 | CHF 235.60 |
| 2'500 | CHF 258.60 | CHF 216.10 | CHF 204.80 | CHF 206.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 61.90 | CHF 55.10 | CHF 53.00 | CHF 53.60 |
| 100 | CHF 56.10 | CHF 49.30 | CHF 47.20 | CHF 47.80 |
| 200 | CHF 50.30 | CHF 43.50 | CHF 41.40 | CHF 42.00 |
| 300 | CHF 44.40 | CHF 37.60 | CHF 35.50 | CHF 36.10 |
| 400 | CHF 38.60 | CHF 32.80 | CHF 32.80 | CHF 32.80 |
| 500 | CHF 32.80 | CHF 32.80 | CHF 32.80 | CHF 32.80 |
| 600 | CHF 32.80 | CHF 32.80 | CHF 32.80 | CHF 32.80 |
With or without accident cover
With accident cover: CHF 515.80 a month. Without: CHF 487.50. Dropping it saves CHF 339.60 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 411.20 in 2025 to CHF 295.60 — a rise of 7.3 %.
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 |
| 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 |
| Avenir | CHF 471.40 | 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.