Mutuel — Region 1 of canton St. Gallen, 2026 premiums
Mutuel covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 371.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 19 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 Mutuel to Sanitas, the cheapest insurer in this region, saves CHF 575.40 a year for an adult on the same profile.
The full Mutuel table
260 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 602.90 | CHF 548.70 | CHF 530.60 | CHF 527.60 |
| 500 | CHF 591.40 | CHF 537.20 | CHF 519.10 | CHF 516.10 |
| 1'000 | CHF 562.40 | CHF 508.20 | CHF 490.10 | CHF 487.10 |
| 1'500 | CHF 532.90 | CHF 478.70 | CHF 460.60 | CHF 457.60 |
| 2'000 | CHF 503.90 | CHF 449.70 | CHF 431.60 | CHF 428.60 |
| 2'500 | CHF 474.90 | CHF 420.70 | CHF 402.60 | CHF 399.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 444.00 | CHF 404.10 | CHF 390.80 | CHF 393.00 |
| 500 | CHF 432.50 | CHF 392.60 | CHF 379.30 | CHF 381.50 |
| 1'000 | CHF 403.50 | CHF 363.60 | CHF 350.30 | CHF 352.50 |
| 1'500 | CHF 374.00 | CHF 334.10 | CHF 320.80 | CHF 323.00 |
| 2'000 | CHF 345.00 | CHF 305.10 | CHF 291.80 | CHF 294.00 |
| 2'500 | CHF 316.00 | CHF 276.10 | CHF 262.80 | CHF 265.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 115.60 | CHF 105.20 | CHF 104.10 | CHF 104.60 |
| 100 | CHF 111.30 | CHF 100.90 | CHF 99.70 | CHF 100.30 |
| 200 | CHF 106.90 | CHF 96.50 | CHF 95.40 | CHF 95.90 |
| 300 | CHF 102.50 | CHF 92.10 | CHF 90.90 | CHF 91.50 |
| 400 | CHF 98.10 | CHF 87.70 | CHF 86.60 | CHF 87.20 |
| 500 | CHF 93.80 | CHF 83.40 | CHF 82.20 | CHF 82.80 |
| 600 | CHF 89.40 | CHF 79.00 | CHF 77.80 | CHF 78.40 |
With or without accident cover
With accident cover: CHF 602.90 a month. Without: CHF 560.70. Dropping it saves CHF 506.40 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 504.30 in 2025 to CHF 371.60 — a rise of 4.6 %.
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 |
| 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 |
| 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.