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CSS or Helsana in Region 2 of canton St. Gallen?

In Region 2, CSS is CHF 170.40 a year cheaper than Helsana 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 444.40 a month, Helsana to CHF 458.60. The gap is CHF 170.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to CSS is worth CHF 297.60 more a year. Agrisano

Where they stand in the region

CSS ranks 3 and Helsana 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.

DeductibleCSSHelsanaGap
300CHF 529.00CHF 546.00− 17.00
500CHF 517.40CHF 534.40− 17.00
1'000CHF 488.20CHF 505.20− 17.00
1'500CHF 459.00CHF 476.00− 17.00
2'000CHF 429.90CHF 446.90− 17.00
2'500CHF 400.70CHF 417.70− 17.00

Model by model

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

ModelCSSHelsana
Family doctorCHF 444.40CHF 458.60
Other modelCHF 481.40CHF 480.40
Free choice of doctorCHF 529.00CHF 546.00

How they moved in this region

Against 2025, CSS moves by + 1.3 % and Helsana by + 6.7 % in this region.

CSS, Helsana, 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.