CSS — Region 1 of canton St. Gallen, 2026 premiums
CSS covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 338.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CSS ranks 11 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 509.79 a month.
What staying costs
Moving from CSS to Sanitas, the cheapest insurer in this region, saves CHF 147.00 a year for an adult on the same profile.
The full CSS table
180 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 572.00 | CHF 491.90 | CHF 517.70 |
| 500 | CHF 560.40 | CHF 480.30 | CHF 506.10 |
| 1'000 | CHF 531.20 | CHF 451.10 | CHF 476.90 |
| 1'500 | CHF 502.00 | CHF 421.90 | CHF 447.70 |
| 2'000 | CHF 472.90 | CHF 392.80 | CHF 418.60 |
| 2'500 | CHF 443.70 | CHF 363.60 | CHF 389.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 389.00 | CHF 339.40 | CHF 388.20 |
| 500 | CHF 377.40 | CHF 327.80 | CHF 376.60 |
| 1'000 | CHF 348.20 | CHF 298.60 | CHF 347.40 |
| 1'500 | CHF 319.00 | CHF 269.40 | CHF 318.20 |
| 2'000 | CHF 289.90 | CHF 240.30 | CHF 289.10 |
| 2'500 | CHF 260.70 | CHF 211.10 | CHF 259.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 125.80 | CHF 108.20 | CHF 113.90 |
| 100 | CHF 120.00 | CHF 102.40 | CHF 108.10 |
| 200 | CHF 114.20 | CHF 96.60 | CHF 102.30 |
| 300 | CHF 108.30 | CHF 90.70 | CHF 96.40 |
| 400 | CHF 102.50 | CHF 84.90 | CHF 90.60 |
| 600 | CHF 90.80 | CHF 73.20 | CHF 78.90 |
With or without accident cover
With accident cover: CHF 572.00 a month. Without: CHF 532.00. Dropping it saves CHF 480.00 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 475.20 in 2025 to CHF 338.20 — a rise of 3.5 %.
The 8 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton St. Gallen, not to the municipality.
Gaiserwald · Gossau (SG) · Niederbüren · Niederhelfenschwil · Oberbüren · St. Gallen · Wil (SG) · Zuzwil (SG)
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Sanitas | CHF 479.65 | View |
| Vivao Sympany | CHF 479.70 | View |
| sana24 | CHF 482.70 | View |
| SWICA | CHF 482.90 | View |
| Helsana | CHF 483.60 | View |
| Agrisano | CHF 485.40 | View |
| ÖKK | CHF 485.80 | View |
| CONCORDIA | CHF 486.70 | View |
| KPT | CHF 487.30 | View |
| Atupri | CHF 489.30 | View |
| Assura-Basis | CHF 492.20 | View |
| Aquilana | CHF 493.10 | View |
| Galenos | CHF 498.00 | View |
| Avenir | CHF 501.50 | View |
| rhenusana | CHF 505.60 | View |
| EGK | CHF 508.20 | View |
| Sumiswalder | CHF 510.90 | View |
| Mutuel | CHF 527.60 | View |
| Visana | CHF 541.30 | View |
| vita surselva | CHF 550.00 | View |
| Glarner | CHF 551.40 | View |
| SLKK | CHF 569.40 | View |
| Philos | CHF 569.40 | View |
| Einsiedler | CHF 591.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.