KPT — Region 1 of canton St. Gallen, 2026 premiums
KPT covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 333.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 9 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 KPT to Sanitas, the cheapest insurer in this region, saves CHF 91.80 a year for an adult on the same profile.
The full KPT table
168 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 577.10 | CHF 509.80 | CHF 491.80 | CHF 487.30 |
| 500 | CHF 565.50 | CHF 498.20 | CHF 480.20 | CHF 475.70 |
| 1'000 | CHF 536.30 | CHF 469.00 | CHF 451.00 | CHF 446.50 |
| 1'500 | CHF 507.10 | CHF 439.80 | CHF 421.80 | CHF 417.30 |
| 2'500 | CHF 448.80 | CHF 381.50 | CHF 363.50 | CHF 359.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 461.70 | CHF 411.70 | CHF 398.40 | CHF 395.00 |
| 500 | CHF 450.10 | CHF 400.10 | CHF 386.80 | CHF 383.40 |
| 1'000 | CHF 420.90 | CHF 370.90 | CHF 357.60 | CHF 354.20 |
| 1'500 | CHF 391.70 | CHF 341.70 | CHF 328.40 | CHF 325.00 |
| 2'500 | CHF 333.40 | CHF 283.40 | CHF 270.10 | CHF 266.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 138.50 | CHF 117.80 | CHF 112.30 | CHF 110.90 |
| 200 | CHF 126.90 | CHF 108.00 | CHF 102.80 | CHF 101.70 |
| 400 | CHF 115.20 | CHF 98.00 | CHF 93.40 | CHF 92.30 |
| 600 | CHF 103.50 | CHF 88.10 | CHF 83.90 | CHF 83.00 |
With or without accident cover
With accident cover: CHF 577.10 a month. Without: CHF 536.70. Dropping it saves CHF 484.80 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 471.70 in 2025 to CHF 333.90 — a rise of 3.3 %.
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 |
| Helsana | CHF 483.60 | View |
| Agrisano | CHF 485.40 | View |
| ÖKK | CHF 485.80 | View |
| CONCORDIA | CHF 486.70 | 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.