KPT — Region 2 of canton St. Gallen, 2026 premiums
KPT covers the 44 municipalities of Region 2 in canton St. Gallen. Its lowest adult premium here is CHF 297.80 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 4 out of 25 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 473.81 a month.
What staying costs
Moving from KPT to Agrisano, the cheapest insurer in this region, saves CHF 346.80 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 528.60 | CHF 468.60 | CHF 452.50 | CHF 448.50 |
| 500 | CHF 517.00 | CHF 457.00 | CHF 440.90 | CHF 436.90 |
| 1'000 | CHF 487.80 | CHF 427.80 | CHF 411.70 | CHF 407.70 |
| 1'500 | CHF 458.60 | CHF 398.60 | CHF 382.50 | CHF 378.50 |
| 2'500 | CHF 400.30 | CHF 340.30 | CHF 324.20 | CHF 320.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 422.90 | CHF 378.70 | CHF 366.90 | CHF 364.00 |
| 500 | CHF 411.30 | CHF 367.10 | CHF 355.30 | CHF 352.40 |
| 1'000 | CHF 382.10 | CHF 337.90 | CHF 326.10 | CHF 323.20 |
| 1'500 | CHF 352.90 | CHF 308.70 | CHF 296.90 | CHF 294.00 |
| 2'500 | CHF 294.60 | CHF 250.40 | CHF 238.60 | CHF 235.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 126.90 | CHF 108.00 | CHF 102.80 | CHF 101.70 |
| 200 | CHF 115.30 | CHF 98.10 | CHF 93.50 | CHF 92.30 |
| 400 | CHF 103.60 | CHF 88.10 | CHF 84.00 | CHF 83.00 |
| 600 | CHF 91.90 | CHF 78.20 | CHF 74.60 | CHF 73.60 |
With or without accident cover
With accident cover: CHF 528.60 a month. Without: CHF 491.60. Dropping it saves CHF 444.00 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 434.50 in 2025 to CHF 297.80 — a rise of 3.2 %.
The 44 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton St. Gallen, not to the municipality.
Amden · Andwil (SG) · Au (SG) · Bad Ragaz · Benken (SG) · Berg (SG) · Buchs (SG) · Eggersriet · Eschenbach (SG) · Flawil · Flums · Goldach · Gommiswald · Häggenschwil · Jonschwil · Kaltbrunn · Kirchberg (SG) · Mels · Muolen · Mörschwil · Oberuzwil · Pfäfers · Quarten · Rapperswil-Jona · Rheineck · Rorschach · Rorschacherberg · Sargans · Schmerikon · Schänis · Sevelen · St. Margrethen · Steinach · Thal · Tübach · Untereggen · Uznach · Uzwil · Vilters-Wangs · Waldkirch · Walenstadt · Wartau · Weesen · Wittenbach
The other insurers in Region 2
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 419.60 | View |
| Atupri | CHF 443.90 | View |
| CSS | CHF 444.40 | View |
| SWICA | CHF 450.10 | View |
| ÖKK | CHF 455.90 | View |
| CONCORDIA | CHF 456.00 | View |
| Aquilana | CHF 457.10 | View |
| Sanitas | CHF 457.30 | View |
| EGK | CHF 457.80 | View |
| Assura-Basis | CHF 458.00 | View |
| Helsana | CHF 458.60 | View |
| Galenos | CHF 459.00 | View |
| sana24 | CHF 466.50 | View |
| rhenusana | CHF 471.10 | View |
| Sumiswalder | CHF 474.50 | View |
| Vivao Sympany | CHF 479.70 | View |
| Avenir | CHF 486.50 | View |
| Mutuel | CHF 490.70 | View |
| vita surselva | CHF 506.00 | View |
| Glarner | CHF 511.10 | View |
| SLKK | CHF 512.50 | View |
| Visana | CHF 514.30 | View |
| Philos | CHF 518.20 | View |
| Einsiedler | CHF 547.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.