CSS or Sanitas in Region 1 of canton St. Gallen?
In Region 1, Sanitas is CHF 147.00 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
Sanitas comes down to CHF 479.65 a month, CSS to CHF 491.90. The gap is CHF 147.00 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
CSS ranks 11 and Sanitas ranks 1, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 572.00 | CHF 551.30 | + 20.70 |
| 500 | CHF 560.40 | CHF 539.70 | + 20.70 |
| 1'000 | CHF 531.20 | CHF 510.50 | + 20.70 |
| 1'500 | CHF 502.00 | CHF 481.30 | + 20.70 |
| 2'000 | CHF 472.90 | CHF 452.20 | + 20.70 |
| 2'500 | CHF 443.70 | CHF 423.00 | + 20.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 491.90 | CHF 479.65 |
| Other model | CHF 517.70 | CHF 496.20 |
| Free choice of doctor | CHF 572.00 | CHF 551.30 |
| HMO practice | — | CHF 501.70 |
How they moved in this region
Against 2025, CSS moves by + 3.5 % and Sanitas by + 4.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.