Helsana — Region 1 of canton St. Gallen, 2026 premiums
Helsana covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 330.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Helsana ranks 5 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 Helsana to Sanitas, the cheapest insurer in this region, saves CHF 47.40 a year for an adult on the same profile.
The full Helsana table
252 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 | Other model |
|---|---|---|---|
| 300 | CHF 569.00 | CHF 483.60 | CHF 483.60 |
| 500 | CHF 557.40 | CHF 472.00 | CHF 472.00 |
| 1'000 | CHF 528.20 | CHF 442.80 | CHF 442.80 |
| 1'500 | CHF 499.00 | CHF 413.60 | CHF 413.60 |
| 2'000 | CHF 469.90 | CHF 384.50 | CHF 384.50 |
| 2'500 | CHF 440.70 | CHF 355.30 | CHF 355.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 455.20 | CHF 386.90 | CHF 386.90 |
| 500 | CHF 443.60 | CHF 375.30 | CHF 375.30 |
| 1'000 | CHF 414.40 | CHF 346.10 | CHF 346.10 |
| 1'500 | CHF 385.20 | CHF 316.90 | CHF 316.90 |
| 2'000 | CHF 356.10 | CHF 287.80 | CHF 287.80 |
| 2'500 | CHF 326.90 | CHF 258.60 | CHF 258.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 130.80 | CHF 111.10 | CHF 111.10 |
| 500 | CHF 101.70 | CHF 82.00 | CHF 82.00 |
With or without accident cover
With accident cover: CHF 569.00 a month. Without: CHF 529.20. Dropping it saves CHF 477.60 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 461.10 in 2025 to CHF 330.50 — a rise of 4.9 %.
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 |
| 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 |
| Galenos | CHF 498.00 | 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.