CSS — Region 3 of canton St. Gallen, 2026 premiums
CSS covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 295.80 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 3, cheapest to dearest.
The regional average across insurers is CHF 457.98 a month.
What staying costs
Moving from CSS to Agrisano, the cheapest insurer in this region, saves CHF 536.40 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 516.00 | CHF 446.30 | CHF 461.80 |
| 500 | CHF 504.40 | CHF 434.70 | CHF 450.20 |
| 1'000 | CHF 475.20 | CHF 405.50 | CHF 421.00 |
| 1'500 | CHF 446.00 | CHF 376.30 | CHF 391.80 |
| 2'000 | CHF 416.90 | CHF 347.20 | CHF 362.70 |
| 2'500 | CHF 387.70 | CHF 318.00 | CHF 333.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 335.40 | CHF 312.40 | CHF 335.40 |
| 500 | CHF 323.80 | CHF 300.80 | CHF 323.80 |
| 1'000 | CHF 294.60 | CHF 271.60 | CHF 294.60 |
| 1'500 | CHF 265.40 | CHF 242.40 | CHF 265.40 |
| 2'000 | CHF 236.30 | CHF 213.30 | CHF 236.30 |
| 2'500 | CHF 207.10 | CHF 184.10 | CHF 207.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 113.50 | CHF 98.20 | CHF 101.60 |
| 100 | CHF 107.70 | CHF 92.40 | CHF 95.80 |
| 200 | CHF 101.90 | CHF 86.60 | CHF 90.00 |
| 300 | CHF 96.00 | CHF 80.70 | CHF 84.10 |
| 400 | CHF 90.20 | CHF 74.90 | CHF 78.30 |
| 600 | CHF 78.50 | CHF 63.20 | CHF 66.60 |
With or without accident cover
With accident cover: CHF 516.00 a month. Without: CHF 479.90. Dropping it saves CHF 433.20 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 426.70 in 2025 to CHF 295.80 — a rise of 4.6 %.
The 23 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton St. Gallen, not to the municipality.
Altstätten · Balgach · Berneck · Bütschwil-Ganterschwil · Degersheim · Diepoldsau · Ebnat-Kappel · Eichberg · Gams · Grabs · Lichtensteig · Lütisburg · Marbach (SG) · Mosnang · Neckertal · Nesslau · Oberriet (SG) · Rebstein · Rüthi (SG) · Sennwald · Wattwil · Widnau · Wildhaus-Alt St. Johann
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 401.60 | View |
| SWICA | CHF 431.30 | View |
| KPT | CHF 431.80 | View |
| Galenos | CHF 434.40 | View |
| Assura-Basis | CHF 435.10 | View |
| CONCORDIA | CHF 441.10 | View |
| Helsana | CHF 441.80 | View |
| Atupri | CHF 443.10 | View |
| sana24 | CHF 444.80 | View |
| Sanitas | CHF 445.80 | View |
| ÖKK | CHF 447.10 | View |
| Aquilana | CHF 447.80 | View |
| Vivao Sympany | CHF 448.90 | View |
| EGK | CHF 454.50 | View |
| Sumiswalder | CHF 455.00 | View |
| rhenusana | CHF 457.10 | View |
| Mutuel | CHF 464.30 | View |
| vita surselva | CHF 465.50 | View |
| Avenir | CHF 471.40 | View |
| Glarner | CHF 490.50 | View |
| Visana | CHF 505.00 | View |
| SLKK | CHF 506.80 | View |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.