Philos — Region 2 of canton St. Gallen, 2026 premiums
Philos covers the 44 municipalities of Region 2 in canton St. Gallen. Its lowest adult premium here is CHF 362.80 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 2, cheapest to dearest.
The regional average across insurers is CHF 473.81 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 1'183.20 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 606.00 | CHF 542.40 | CHF 518.20 | CHF 518.20 |
| 500 | CHF 594.50 | CHF 530.90 | CHF 506.70 | CHF 507.20 |
| 1'000 | CHF 565.50 | CHF 501.90 | CHF 477.70 | CHF 479.70 |
| 1'500 | CHF 536.00 | CHF 472.40 | CHF 448.20 | CHF 451.20 |
| 2'000 | CHF 507.00 | CHF 443.40 | CHF 419.20 | CHF 422.20 |
| 2'500 | CHF 478.00 | CHF 414.40 | CHF 390.20 | CHF 393.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 454.10 | CHF 415.50 | CHF 397.40 | CHF 388.30 |
| 500 | CHF 442.60 | CHF 404.00 | CHF 385.90 | CHF 376.80 |
| 1'000 | CHF 413.60 | CHF 375.00 | CHF 356.90 | CHF 347.80 |
| 1'500 | CHF 384.10 | CHF 345.50 | CHF 327.40 | CHF 318.30 |
| 2'000 | CHF 355.10 | CHF 316.50 | CHF 298.40 | CHF 289.30 |
| 2'500 | CHF 326.10 | CHF 287.50 | CHF 269.40 | CHF 260.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 104.50 | CHF 96.60 | CHF 93.50 | CHF 92.50 |
| 100 | CHF 100.10 | CHF 92.30 | CHF 89.20 | CHF 88.10 |
| 200 | CHF 95.80 | CHF 87.90 | CHF 84.80 | CHF 83.80 |
| 300 | CHF 91.30 | CHF 83.50 | CHF 80.40 | CHF 79.30 |
| 400 | CHF 87.00 | CHF 79.20 | CHF 76.00 | CHF 75.00 |
| 500 | CHF 82.60 | CHF 74.80 | CHF 71.70 | CHF 70.60 |
| 600 | CHF 78.20 | CHF 70.40 | CHF 67.30 | CHF 66.20 |
With or without accident cover
With accident cover: CHF 606.00 a month. Without: CHF 563.60. Dropping it saves CHF 508.80 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 518.20 in 2025 to CHF 362.80 — a rise of 0.0 %.
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 |
| Mutuel | CHF 490.70 | View |
| vita surselva | CHF 506.00 | View |
| Glarner | CHF 511.10 | View |
| SLKK | CHF 512.50 | View |
| Visana | CHF 514.30 | View |
| Einsiedler | CHF 547.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.