CSS or Sanitas in Region 3 of canton St. Gallen?
In Region 3, Sanitas is CHF 6.00 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 445.80 a month, CSS to CHF 446.30. The gap is CHF 6.00 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 Sanitas is worth CHF 530.40 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and Sanitas ranks 10, 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 516.00 | CHF 512.40 | + 3.60 |
| 500 | CHF 504.40 | CHF 500.80 | + 3.60 |
| 1'000 | CHF 475.20 | CHF 471.60 | + 3.60 |
| 1'500 | CHF 446.00 | CHF 442.40 | + 3.60 |
| 2'000 | CHF 416.90 | CHF 413.30 | + 3.60 |
| 2'500 | CHF 387.70 | CHF 384.10 | + 3.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 445.80 |
| Other model | CHF 461.80 | CHF 461.20 |
| Free choice of doctor | CHF 516.00 | CHF 512.40 |
| HMO practice | — | CHF 466.30 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and Sanitas by + 4.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.