Helsana or Sanitas in Region 2 of canton St. Gallen?
In Region 2, Sanitas is CHF 15.60 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 457.30 a month, Helsana to CHF 458.60. The gap is CHF 15.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to Sanitas is worth CHF 452.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Sanitas ranks 9, 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 546.00 | CHF 537.90 | + 8.10 |
| 500 | CHF 534.40 | CHF 526.30 | + 8.10 |
| 1'000 | CHF 505.20 | CHF 497.10 | + 8.10 |
| 1'500 | CHF 476.00 | CHF 467.90 | + 8.10 |
| 2'000 | CHF 446.90 | CHF 438.80 | + 8.10 |
| 2'500 | CHF 417.70 | CHF 409.60 | + 8.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 467.95 |
| Other model | CHF 480.40 | CHF 457.30 |
| Free choice of doctor | CHF 546.00 | CHF 537.90 |
| HMO practice | — | CHF 489.50 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and Sanitas by + 4.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.