Helsana — Region 3 of canton St. Gallen, 2026 premiums
Helsana covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 291.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Helsana ranks 7 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 Helsana to Agrisano, the cheapest insurer in this region, saves CHF 482.40 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 526.00 | CHF 441.80 | CHF 462.80 |
| 500 | CHF 514.40 | CHF 430.20 | CHF 451.20 |
| 1'000 | CHF 485.20 | CHF 401.00 | CHF 422.00 |
| 1'500 | CHF 456.00 | CHF 371.80 | CHF 392.80 |
| 2'000 | CHF 426.90 | CHF 342.70 | CHF 363.70 |
| 2'500 | CHF 397.70 | CHF 313.50 | CHF 334.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 420.80 | CHF 353.40 | CHF 370.30 |
| 500 | CHF 409.20 | CHF 341.80 | CHF 358.70 |
| 1'000 | CHF 380.00 | CHF 312.60 | CHF 329.50 |
| 1'500 | CHF 350.80 | CHF 283.40 | CHF 300.30 |
| 2'000 | CHF 321.70 | CHF 254.30 | CHF 271.20 |
| 2'500 | CHF 292.50 | CHF 226.20 | CHF 242.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 120.90 | CHF 101.50 | CHF 106.30 |
| 500 | CHF 91.80 | CHF 72.40 | CHF 77.20 |
With or without accident cover
With accident cover: CHF 526.00 a month. Without: CHF 489.20. Dropping it saves CHF 441.60 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 416.50 in 2025 to CHF 291.60 — a rise of 6.1 %.
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 |
| Galenos | CHF 434.40 | View |
| Assura-Basis | CHF 435.10 | View |
| CONCORDIA | CHF 441.10 | 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.