CSS or Helsana in Region 3 of canton St. Gallen?
In Region 3, Helsana is CHF 54.00 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
Helsana comes down to CHF 441.80 a month, CSS to CHF 446.30. The gap is CHF 54.00 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 Helsana is worth CHF 482.40 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and Helsana ranks 7, 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 | Helsana | Gap |
|---|---|---|---|
| 300 | CHF 516.00 | CHF 526.00 | − 10.00 |
| 500 | CHF 504.40 | CHF 514.40 | − 10.00 |
| 1'000 | CHF 475.20 | CHF 485.20 | − 10.00 |
| 1'500 | CHF 446.00 | CHF 456.00 | − 10.00 |
| 2'000 | CHF 416.90 | CHF 426.90 | − 10.00 |
| 2'500 | CHF 387.70 | CHF 397.70 | − 10.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 441.80 |
| Other model | CHF 461.80 | CHF 462.80 |
| Free choice of doctor | CHF 516.00 | CHF 526.00 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and Helsana by + 6.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.