Helsana or Sanitas in Region 1 of canton St. Gallen?
In Region 1, Sanitas is CHF 47.40 a year cheaper than Helsana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 479.65 a month, Helsana to CHF 483.60. The gap is CHF 47.40 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Helsana ranks 5 and Sanitas ranks 1, 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.
| Deductible | Helsana | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 569.00 | CHF 551.30 | + 17.70 |
| 500 | CHF 557.40 | CHF 539.70 | + 17.70 |
| 1'000 | CHF 528.20 | CHF 510.50 | + 17.70 |
| 1'500 | CHF 499.00 | CHF 481.30 | + 17.70 |
| 2'000 | CHF 469.90 | CHF 452.20 | + 17.70 |
| 2'500 | CHF 440.70 | CHF 423.00 | + 17.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 483.60 | CHF 496.20 |
| Family doctor | CHF 483.60 | CHF 479.65 |
| Free choice of doctor | CHF 569.00 | CHF 551.30 |
| HMO practice | — | CHF 501.70 |
How they moved in this region
Against 2025, Helsana moves by + 4.9 % and Sanitas by + 4.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.