Galenos — Region 1 of canton St. Gallen, 2026 premiums
Galenos covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 345.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Galenos ranks 14 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 Galenos to Sanitas, the cheapest insurer in this region, saves CHF 220.20 a year for an adult on the same profile.
The full Galenos table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 592.10 | CHF 538.30 | CHF 535.90 | CHF 498.00 |
| 500 | CHF 580.40 | CHF 526.60 | CHF 524.20 | CHF 486.40 |
| 1'000 | CHF 551.30 | CHF 497.40 | CHF 495.10 | CHF 457.20 |
| 1'500 | CHF 522.10 | CHF 468.30 | CHF 465.90 | CHF 428.00 |
| 2'000 | CHF 492.90 | CHF 439.10 | CHF 436.70 | CHF 398.90 |
| 2'500 | CHF 463.80 | CHF 409.90 | CHF 407.60 | CHF 369.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 432.30 | CHF 415.90 | CHF 405.60 | CHF 406.00 |
| 500 | CHF 420.70 | CHF 404.30 | CHF 393.90 | CHF 394.30 |
| 1'000 | CHF 391.50 | CHF 375.10 | CHF 364.70 | CHF 365.20 |
| 1'500 | CHF 362.30 | CHF 345.90 | CHF 335.60 | CHF 336.00 |
| 2'000 | CHF 333.20 | CHF 316.80 | CHF 306.40 | CHF 306.80 |
| 2'500 | CHF 304.00 | CHF 287.60 | CHF 277.20 | CHF 277.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 59.60 | CHF 53.80 | CHF 53.80 | CHF 59.00 |
| 100 | CHF 55.40 | CHF 50.10 | CHF 50.00 | CHF 54.90 |
| 200 | CHF 51.30 | CHF 46.40 | CHF 46.30 | CHF 50.80 |
| 300 | CHF 47.10 | CHF 42.60 | CHF 42.60 | CHF 46.70 |
| 400 | CHF 43.00 | CHF 38.90 | CHF 38.80 | CHF 42.60 |
| 500 | CHF 38.90 | CHF 35.10 | CHF 35.10 | CHF 38.50 |
| 600 | CHF 34.70 | CHF 32.10 | CHF 32.10 | CHF 34.40 |
With or without accident cover
With accident cover: CHF 592.10 a month. Without: CHF 553.40. Dropping it saves CHF 464.40 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 540.60 in 2025 to CHF 345.50 — a fall of 7.9 %.
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 |
| CSS | CHF 491.90 | View |
| Assura-Basis | CHF 492.20 | View |
| Aquilana | CHF 493.10 | 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.