EGK — Region 3 of canton St. Gallen, 2026 premiums
EGK covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 305.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
EGK ranks 15 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 EGK to Agrisano, the cheapest insurer in this region, saves CHF 634.80 a year for an adult on the same profile.
The full EGK table
144 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 510.60 | CHF 464.70 | CHF 454.50 |
| 500 | CHF 499.00 | CHF 453.10 | CHF 442.90 |
| 1'000 | CHF 469.80 | CHF 423.90 | CHF 413.70 |
| 1'500 | CHF 440.60 | CHF 394.70 | CHF 384.50 |
| 2'000 | CHF 411.50 | CHF 365.60 | CHF 355.40 |
| 2'500 | CHF 382.30 | CHF 336.40 | CHF 326.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 367.50 | CHF 349.20 | CHF 349.20 |
| 500 | CHF 355.90 | CHF 337.60 | CHF 337.60 |
| 1'000 | CHF 326.70 | CHF 308.40 | CHF 308.40 |
| 1'500 | CHF 297.50 | CHF 279.20 | CHF 279.20 |
| 2'000 | CHF 268.40 | CHF 250.10 | CHF 250.10 |
| 2'500 | CHF 239.20 | CHF 220.90 | CHF 220.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 102.20 | CHF 92.10 | CHF 92.10 |
| 100 | CHF 101.20 | CHF 91.20 | CHF 91.20 |
| 200 | CHF 100.20 | CHF 90.20 | CHF 90.20 |
| 300 | CHF 99.20 | CHF 89.20 | CHF 89.20 |
| 400 | CHF 98.20 | CHF 88.20 | CHF 88.20 |
| 500 | CHF 97.20 | CHF 87.20 | CHF 87.20 |
With or without accident cover
With accident cover: CHF 510.60 a month. Without: CHF 477.50. Dropping it saves CHF 397.20 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 440.20 in 2025 to CHF 305.00 — a rise of 3.2 %.
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 |
| CSS | CHF 446.30 | View |
| ÖKK | CHF 447.10 | View |
| Aquilana | CHF 447.80 | View |
| Vivao Sympany | CHF 448.90 | 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.