Philos — Region 3 of canton St. Gallen, 2026 premiums
Philos covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 357.60 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 3, cheapest to dearest.
The regional average across insurers is CHF 457.98 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 1'330.80 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 599.40 | CHF 536.40 | CHF 512.50 | CHF 512.50 |
| 500 | CHF 587.90 | CHF 524.90 | CHF 501.00 | CHF 501.50 |
| 1'000 | CHF 558.90 | CHF 495.90 | CHF 472.00 | CHF 474.00 |
| 1'500 | CHF 529.40 | CHF 466.40 | CHF 442.50 | CHF 445.50 |
| 2'000 | CHF 500.40 | CHF 437.40 | CHF 413.50 | CHF 416.50 |
| 2'500 | CHF 471.40 | CHF 408.40 | CHF 384.50 | CHF 387.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 449.10 | CHF 411.00 | CHF 393.00 | CHF 384.00 |
| 500 | CHF 437.60 | CHF 399.50 | CHF 381.50 | CHF 372.50 |
| 1'000 | CHF 408.60 | CHF 370.50 | CHF 352.50 | CHF 343.50 |
| 1'500 | CHF 379.10 | CHF 341.00 | CHF 323.00 | CHF 314.00 |
| 2'000 | CHF 350.10 | CHF 312.00 | CHF 294.00 | CHF 285.00 |
| 2'500 | CHF 321.10 | CHF 283.00 | CHF 265.00 | CHF 256.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 103.30 | CHF 95.60 | CHF 92.50 | CHF 91.40 |
| 100 | CHF 99.00 | CHF 91.20 | CHF 88.10 | CHF 87.10 |
| 200 | CHF 94.60 | CHF 86.90 | CHF 83.80 | CHF 82.70 |
| 300 | CHF 90.20 | CHF 82.50 | CHF 79.40 | CHF 78.30 |
| 400 | CHF 85.80 | CHF 78.10 | CHF 75.00 | CHF 74.00 |
| 500 | CHF 81.50 | CHF 73.80 | CHF 70.70 | CHF 69.60 |
| 600 | CHF 77.10 | CHF 69.30 | CHF 66.20 | CHF 65.20 |
With or without accident cover
With accident cover: CHF 599.40 a month. Without: CHF 557.40. Dropping it saves CHF 504.00 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 512.50 in 2025 to CHF 357.60 — a rise of 0.0 %.
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 |
| Mutuel | CHF 464.30 | 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 |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.