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Helsana or Assura-Basis in Region 1 of canton St. Gallen?

In Region 1, Helsana is CHF 103.20 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Helsana comes down to CHF 483.60 a month, Assura-Basis to CHF 492.20. The gap is CHF 103.20 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to Helsana is worth CHF 47.40 more a year. Sanitas

Where they stand in the region

Helsana ranks 5 and Assura-Basis ranks 12, out of 25 active insurers in this region.

Deductible by deductible

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

DeductibleHelsanaAssura-BasisGap
300CHF 569.00CHF 595.10− 26.10
500CHF 557.40CHF 583.50− 26.10
1'000CHF 528.20CHF 554.30− 26.10
1'500CHF 499.00CHF 525.10− 26.10
2'000CHF 469.90CHF 496.00− 26.10
2'500CHF 440.70CHF 466.80− 26.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelHelsanaAssura-Basis
Other modelCHF 483.60—
Family doctorCHF 483.60CHF 492.20
Free choice of doctorCHF 569.00CHF 595.10

How they moved in this region

Against 2025, Helsana moves by + 4.9 % and Assura-Basis by + 2.4 % in this region.

Helsana, Assura-Basis, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.