CSS or Visana in Region 1 of canton St. Gallen?

In Region 1, CSS is CHF 592.80 a year cheaper than Visana 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 491.90 a month, Visana to CHF 541.30. The gap is CHF 592.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to CSS is worth CHF 147.00 more a year. Sanitas

CSS ranks 11 and Visana ranks 20, out of 25 active insurers in this region.

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	Visana	Gap
300	CHF 572.00	CHF 637.50	− 65.50
500	CHF 560.40	CHF 630.80	− 70.40
1'000	CHF 531.20	CHF 596.70	− 65.50
1'500	CHF 502.00	CHF 567.50	− 65.50
2'000	CHF 472.90	CHF 538.30	− 65.40
2'500	CHF 443.70	CHF 509.20	− 65.50

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

Against 2025, CSS moves by + 3.5 % and Visana by + 1.2 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.