Mutuel — Region 3 of canton St. Gallen, 2026 premiums
Mutuel covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 312.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 18 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 Mutuel to Agrisano, the cheapest insurer in this region, saves CHF 752.40 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 530.60 | CHF 482.90 | CHF 466.90 | CHF 464.30 |
| 500 | CHF 519.10 | CHF 471.40 | CHF 455.40 | CHF 452.80 |
| 1'000 | CHF 490.10 | CHF 442.40 | CHF 426.40 | CHF 423.80 |
| 1'500 | CHF 460.60 | CHF 412.90 | CHF 396.90 | CHF 394.30 |
| 2'000 | CHF 431.60 | CHF 383.90 | CHF 367.90 | CHF 365.30 |
| 2'500 | CHF 402.60 | CHF 354.90 | CHF 338.90 | CHF 336.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 390.80 | CHF 355.60 | CHF 343.90 | CHF 345.80 |
| 500 | CHF 379.30 | CHF 344.10 | CHF 332.40 | CHF 334.30 |
| 1'000 | CHF 350.30 | CHF 315.10 | CHF 303.40 | CHF 305.30 |
| 1'500 | CHF 320.80 | CHF 285.60 | CHF 273.90 | CHF 275.80 |
| 2'000 | CHF 291.80 | CHF 256.60 | CHF 244.90 | CHF 246.80 |
| 2'500 | CHF 262.80 | CHF 227.60 | CHF 215.90 | CHF 217.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 101.80 | CHF 92.60 | CHF 91.60 | CHF 92.10 |
| 100 | CHF 97.40 | CHF 88.30 | CHF 87.20 | CHF 87.70 |
| 200 | CHF 93.10 | CHF 83.90 | CHF 82.90 | CHF 83.40 |
| 300 | CHF 88.60 | CHF 79.50 | CHF 78.50 | CHF 79.00 |
| 400 | CHF 84.30 | CHF 75.10 | CHF 74.10 | CHF 74.60 |
| 500 | CHF 79.90 | CHF 70.80 | CHF 69.80 | CHF 70.30 |
| 600 | CHF 75.50 | CHF 66.40 | CHF 65.30 | CHF 65.80 |
With or without accident cover
With accident cover: CHF 530.60 a month. Without: CHF 493.50. Dropping it saves CHF 445.20 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 443.80 in 2025 to CHF 312.70 — a rise of 4.6 %.
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 |
| KPT | CHF 431.80 | 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 |
| 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.