CSS or Assura-Basis in Region 3 of canton St. Gallen?
In Region 3, Assura-Basis is CHF 134.40 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 435.10 a month, CSS to CHF 446.30. The gap is CHF 134.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Assura-Basis is worth CHF 402.00 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and Assura-Basis ranks 5, 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.
| Deductible | CSS | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 516.00 | CHF 524.20 | − 8.20 |
| 500 | CHF 504.40 | CHF 512.60 | − 8.20 |
| 1'000 | CHF 475.20 | CHF 483.40 | − 8.20 |
| 1'500 | CHF 446.00 | CHF 454.20 | − 8.20 |
| 2'000 | CHF 416.90 | CHF 425.10 | − 8.20 |
| 2'500 | CHF 387.70 | CHF 395.90 | − 8.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Assura-Basis |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 435.10 |
| Other model | CHF 461.80 | — |
| Free choice of doctor | CHF 516.00 | CHF 524.20 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and Assura-Basis by + 2.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.