Mutuel — Region 2 of canton St. Gallen, 2026 premiums
Mutuel covers the 44 municipalities of Region 2 in canton St. Gallen. Its lowest adult premium here is CHF 337.30 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 2, cheapest to dearest.
The regional average across insurers is CHF 473.81 a month.
What staying costs
Moving from Mutuel to Agrisano, the cheapest insurer in this region, saves CHF 853.20 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 560.70 | CHF 510.30 | CHF 493.50 | CHF 490.70 |
| 500 | CHF 549.20 | CHF 498.80 | CHF 482.00 | CHF 479.20 |
| 1'000 | CHF 520.20 | CHF 469.80 | CHF 453.00 | CHF 450.20 |
| 1'500 | CHF 490.70 | CHF 440.30 | CHF 423.50 | CHF 420.70 |
| 2'000 | CHF 461.70 | CHF 411.30 | CHF 394.50 | CHF 391.70 |
| 2'500 | CHF 432.70 | CHF 382.30 | CHF 365.50 | CHF 362.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 413.00 | CHF 375.80 | CHF 363.40 | CHF 365.50 |
| 500 | CHF 401.50 | CHF 364.30 | CHF 351.90 | CHF 354.00 |
| 1'000 | CHF 372.50 | CHF 335.30 | CHF 322.90 | CHF 325.00 |
| 1'500 | CHF 343.00 | CHF 305.80 | CHF 293.40 | CHF 295.50 |
| 2'000 | CHF 314.00 | CHF 276.80 | CHF 264.40 | CHF 266.50 |
| 2'500 | CHF 285.00 | CHF 247.80 | CHF 235.40 | CHF 237.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 107.50 | CHF 97.90 | CHF 96.80 | CHF 97.30 |
| 100 | CHF 103.20 | CHF 93.50 | CHF 92.40 | CHF 93.00 |
| 200 | CHF 98.80 | CHF 89.20 | CHF 88.10 | CHF 88.60 |
| 300 | CHF 94.40 | CHF 84.70 | CHF 83.70 | CHF 84.20 |
| 400 | CHF 90.10 | CHF 80.40 | CHF 79.30 | CHF 79.80 |
| 500 | CHF 85.70 | CHF 76.00 | CHF 75.00 | CHF 75.50 |
| 600 | CHF 81.30 | CHF 71.60 | CHF 70.50 | CHF 71.10 |
With or without accident cover
With accident cover: CHF 560.70 a month. Without: CHF 521.50. Dropping it saves CHF 470.40 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 469.00 in 2025 to CHF 337.30 — a rise of 4.6 %.
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 |
| KPT | CHF 448.50 | 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 |
| 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.