rhenusana — Region 3 of canton St. Gallen, 2026 premiums
rhenusana covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 311.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
rhenusana ranks 17 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 rhenusana to Agrisano, the cheapest insurer in this region, saves CHF 666.00 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 525.40 | CHF 478.70 | CHF 457.10 |
| 500 | CHF 513.80 | CHF 467.20 | CHF 445.50 |
| 1'000 | CHF 484.60 | CHF 437.90 | CHF 416.30 |
| 1'500 | CHF 455.40 | CHF 408.70 | CHF 387.20 |
| 2'000 | CHF 426.30 | CHF 379.60 | CHF 358.00 |
| 2'500 | CHF 397.20 | CHF 354.70 | CHF 335.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 378.30 | CHF 334.80 | CHF 334.80 |
| 500 | CHF 368.20 | CHF 326.10 | CHF 326.10 |
| 1'000 | CHF 343.60 | CHF 295.90 | CHF 295.90 |
| 1'500 | CHF 319.00 | CHF 270.50 | CHF 270.50 |
| 2'000 | CHF 294.50 | CHF 246.80 | CHF 246.80 |
| 2'500 | CHF 250.00 | CHF 212.90 | CHF 212.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 43.20 | CHF 38.90 | CHF 38.40 |
| 300 | CHF 36.20 | CHF 31.90 | CHF 31.50 |
| 600 | CHF 29.20 | CHF 26.10 | CHF 24.40 |
With or without accident cover
With accident cover: CHF 525.40 a month. Without: CHF 488.60. Dropping it saves CHF 441.60 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 427.40 in 2025 to CHF 311.70 — a rise of 6.9 %.
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 |
| 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 |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.