rhenusana — Region 1 of canton St. Gallen, 2026 premiums
rhenusana covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 354.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
rhenusana ranks 16 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 rhenusana to Sanitas, the cheapest insurer in this region, saves CHF 311.40 a year for an adult on the same profile.
The full rhenusana table
108 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 | Other model |
|---|---|---|---|
| 300 | CHF 581.10 | CHF 531.20 | CHF 505.60 |
| 500 | CHF 569.50 | CHF 519.60 | CHF 494.00 |
| 1'000 | CHF 540.30 | CHF 490.40 | CHF 464.80 |
| 1'500 | CHF 511.10 | CHF 461.20 | CHF 435.60 |
| 2'000 | CHF 482.00 | CHF 432.10 | CHF 406.50 |
| 2'500 | CHF 452.90 | CHF 407.20 | CHF 381.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 406.80 | CHF 384.50 | CHF 372.30 |
| 500 | CHF 401.30 | CHF 372.90 | CHF 360.70 |
| 1'000 | CHF 366.00 | CHF 343.70 | CHF 331.50 |
| 1'500 | CHF 342.40 | CHF 314.50 | CHF 302.30 |
| 2'000 | CHF 319.80 | CHF 285.40 | CHF 273.20 |
| 2'500 | CHF 278.60 | CHF 256.80 | CHF 244.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 47.70 | CHF 42.20 | CHF 42.20 |
| 300 | CHF 40.70 | CHF 35.20 | CHF 35.20 |
| 600 | CHF 33.80 | CHF 28.20 | CHF 28.20 |
With or without accident cover
With accident cover: CHF 581.10 a month. Without: CHF 540.40. Dropping it saves CHF 488.40 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 468.20 in 2025 to CHF 354.90 — a rise of 8.0 %.
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 |
| 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 |
| Philos | CHF 569.40 | View |
| Einsiedler | CHF 591.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.