Philos — Region 1 of canton St. Gallen, 2026 premiums
Philos covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 410.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 24 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 Philos to Sanitas, the cheapest insurer in this region, saves CHF 1'077.00 a year for an adult on the same profile.
The full Philos 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 665.90 | CHF 596.00 | CHF 569.40 | CHF 569.40 |
| 500 | CHF 654.40 | CHF 584.50 | CHF 557.90 | CHF 558.40 |
| 1'000 | CHF 625.40 | CHF 555.50 | CHF 528.90 | CHF 530.90 |
| 1'500 | CHF 595.90 | CHF 526.00 | CHF 499.40 | CHF 502.70 |
| 2'000 | CHF 566.90 | CHF 497.00 | CHF 470.40 | CHF 473.70 |
| 2'500 | CHF 537.90 | CHF 468.00 | CHF 441.40 | CHF 444.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 499.00 | CHF 456.60 | CHF 436.70 | CHF 426.70 |
| 500 | CHF 487.50 | CHF 445.10 | CHF 425.20 | CHF 415.20 |
| 1'000 | CHF 458.50 | CHF 416.10 | CHF 396.20 | CHF 386.20 |
| 1'500 | CHF 429.00 | CHF 386.60 | CHF 366.70 | CHF 356.70 |
| 2'000 | CHF 400.00 | CHF 357.60 | CHF 337.70 | CHF 327.70 |
| 2'500 | CHF 371.00 | CHF 328.60 | CHF 308.70 | CHF 298.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 114.80 | CHF 106.20 | CHF 102.80 | CHF 101.60 |
| 100 | CHF 110.40 | CHF 101.80 | CHF 98.40 | CHF 97.30 |
| 200 | CHF 106.10 | CHF 97.50 | CHF 94.10 | CHF 92.90 |
| 300 | CHF 101.70 | CHF 93.10 | CHF 89.60 | CHF 88.50 |
| 400 | CHF 97.30 | CHF 88.70 | CHF 85.30 | CHF 84.10 |
| 500 | CHF 93.00 | CHF 84.40 | CHF 80.90 | CHF 79.80 |
| 600 | CHF 88.50 | CHF 79.90 | CHF 76.50 | CHF 75.40 |
With or without accident cover
With accident cover: CHF 665.90 a month. Without: CHF 619.30. Dropping it saves CHF 559.20 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 569.40 in 2025 to CHF 410.50 — a rise of 0.0 %.
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 |
| Mutuel | CHF 527.60 | View |
| Visana | CHF 541.30 | View |
| vita surselva | CHF 550.00 | View |
| Glarner | CHF 551.40 | View |
| SLKK | CHF 569.40 | View |
| Einsiedler | CHF 591.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.