Galenos — Region 3 of canton St. Gallen, 2026 premiums
Galenos covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 286.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Galenos ranks 4 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 Galenos to Agrisano, the cheapest insurer in this region, saves CHF 393.60 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 511.60 | CHF 471.20 | CHF 469.20 | CHF 434.40 |
| 500 | CHF 499.90 | CHF 459.50 | CHF 457.50 | CHF 422.70 |
| 1'000 | CHF 470.80 | CHF 430.40 | CHF 428.30 | CHF 393.60 |
| 1'500 | CHF 441.60 | CHF 401.20 | CHF 399.20 | CHF 364.40 |
| 2'000 | CHF 412.40 | CHF 372.00 | CHF 370.00 | CHF 335.20 |
| 2'500 | CHF 383.30 | CHF 342.90 | CHF 340.80 | CHF 306.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 373.60 | CHF 360.10 | CHF 355.30 | CHF 339.20 |
| 500 | CHF 361.90 | CHF 348.50 | CHF 343.60 | CHF 327.60 |
| 1'000 | CHF 332.70 | CHF 319.30 | CHF 314.50 | CHF 298.40 |
| 1'500 | CHF 303.60 | CHF 290.10 | CHF 285.30 | CHF 269.20 |
| 2'000 | CHF 274.40 | CHF 261.00 | CHF 256.10 | CHF 240.10 |
| 2'500 | CHF 245.20 | CHF 231.80 | CHF 227.00 | CHF 210.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 51.50 | CHF 48.00 | CHF 47.30 | CHF 48.50 |
| 100 | CHF 47.90 | CHF 44.70 | CHF 44.00 | CHF 45.10 |
| 200 | CHF 44.40 | CHF 41.40 | CHF 40.80 | CHF 41.80 |
| 300 | CHF 40.80 | CHF 38.00 | CHF 37.50 | CHF 38.40 |
| 400 | CHF 37.20 | CHF 34.70 | CHF 34.20 | CHF 35.00 |
| 500 | CHF 33.60 | CHF 31.40 | CHF 30.90 | CHF 31.70 |
| 600 | CHF 30.00 | CHF 28.00 | CHF 27.70 | CHF 28.30 |
With or without accident cover
With accident cover: CHF 511.60 a month. Without: CHF 478.20. Dropping it saves CHF 400.80 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 479.90 in 2025 to CHF 286.10 — a fall of 9.5 %.
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 |
| 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 |
| 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.