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CSS or Assura-Basis in Region 1 of canton St. Gallen?

In Region 1, CSS is CHF 3.60 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CSS comes down to CHF 491.90 a month, Assura-Basis to CHF 492.20. The gap is CHF 3.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to CSS is worth CHF 147.00 more a year. Sanitas

Where they stand in the region

CSS ranks 11 and Assura-Basis ranks 12, out of 25 active insurers in this region.

Deductible by deductible

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

DeductibleCSSAssura-BasisGap
300CHF 572.00CHF 595.10− 23.10
500CHF 560.40CHF 583.50− 23.10
1'000CHF 531.20CHF 554.30− 23.10
1'500CHF 502.00CHF 525.10− 23.10
2'000CHF 472.90CHF 496.00− 23.10
2'500CHF 443.70CHF 466.80− 23.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelCSSAssura-Basis
Family doctorCHF 491.90CHF 492.20
Other modelCHF 517.70—
Free choice of doctorCHF 572.00CHF 595.10

How they moved in this region

Against 2025, CSS moves by + 3.5 % and Assura-Basis by + 2.4 % in this region.

CSS, Assura-Basis, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.