KPT — Region 3 of canton St. Gallen, 2026 premiums
KPT covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 282.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
KPT ranks 3 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 KPT to Agrisano, the cheapest insurer in this region, saves CHF 362.40 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 507.70 | CHF 450.80 | CHF 435.60 | CHF 431.80 |
| 500 | CHF 496.10 | CHF 439.20 | CHF 424.00 | CHF 420.20 |
| 1'000 | CHF 466.90 | CHF 410.00 | CHF 394.80 | CHF 391.00 |
| 1'500 | CHF 437.70 | CHF 380.80 | CHF 365.60 | CHF 361.80 |
| 2'500 | CHF 379.40 | CHF 322.50 | CHF 307.30 | CHF 303.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 406.20 | CHF 364.50 | CHF 353.40 | CHF 350.60 |
| 500 | CHF 394.60 | CHF 352.90 | CHF 341.80 | CHF 339.00 |
| 1'000 | CHF 365.40 | CHF 323.70 | CHF 312.60 | CHF 309.80 |
| 1'500 | CHF 336.20 | CHF 294.50 | CHF 283.40 | CHF 280.60 |
| 2'500 | CHF 277.90 | CHF 236.20 | CHF 225.10 | CHF 222.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 121.80 | CHF 103.60 | CHF 98.80 | CHF 97.60 |
| 200 | CHF 110.20 | CHF 93.80 | CHF 89.40 | CHF 88.20 |
| 400 | CHF 98.50 | CHF 83.80 | CHF 79.90 | CHF 78.90 |
| 600 | CHF 86.80 | CHF 73.90 | CHF 70.40 | CHF 69.50 |
With or without accident cover
With accident cover: CHF 507.70 a month. Without: CHF 472.20. Dropping it saves CHF 426.00 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 418.40 in 2025 to CHF 282.30 — a rise of 3.2 %.
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 |
| Galenos | CHF 434.40 | View |
| Assura-Basis | CHF 435.10 | View |
| CONCORDIA | CHF 441.10 | View |
| Helsana | CHF 441.80 | 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.