sana24 — Region 1 of canton St. Gallen, 2026 premiums
sana24 covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 331.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
sana24 ranks 3 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 sana24 to Sanitas, the cheapest insurer in this region, saves CHF 36.60 a year for an adult on the same profile.
The full sana24 table
416 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 574.60 | CHF 538.40 | CHF 528.70 | CHF 482.70 |
| 500 | CHF 562.90 | CHF 526.80 | CHF 517.00 | CHF 471.10 |
| 1'000 | CHF 533.80 | CHF 497.60 | CHF 487.80 | CHF 441.90 |
| 1'500 | CHF 504.60 | CHF 468.40 | CHF 458.70 | CHF 412.70 |
| 2'000 | CHF 475.40 | CHF 439.30 | CHF 429.50 | CHF 383.60 |
| 2'500 | CHF 446.30 | CHF 410.10 | CHF 400.30 | CHF 354.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 459.80 | CHF 430.80 | CHF 423.00 | CHF 398.70 |
| 500 | CHF 448.10 | CHF 419.20 | CHF 411.30 | CHF 387.00 |
| 1'000 | CHF 418.90 | CHF 390.00 | CHF 382.20 | CHF 357.80 |
| 1'500 | CHF 389.80 | CHF 360.80 | CHF 353.00 | CHF 328.70 |
| 2'000 | CHF 360.60 | CHF 331.70 | CHF 323.80 | CHF 299.50 |
| 2'500 | CHF 331.40 | CHF 302.50 | CHF 294.70 | CHF 270.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 57.80 | CHF 57.20 | CHF 50.90 | CHF 57.20 |
| 100 | CHF 53.80 | CHF 53.30 | CHF 47.40 | CHF 53.30 |
| 200 | CHF 49.80 | CHF 49.30 | CHF 43.90 | CHF 49.30 |
| 300 | CHF 45.80 | CHF 45.30 | CHF 40.30 | CHF 45.30 |
| 400 | CHF 41.70 | CHF 41.30 | CHF 36.80 | CHF 41.30 |
| 500 | CHF 37.70 | CHF 37.30 | CHF 33.20 | CHF 37.30 |
| 600 | CHF 33.70 | CHF 33.40 | CHF 31.10 | CHF 33.40 |
With or without accident cover
With accident cover: CHF 574.60 a month. Without: CHF 537.00. Dropping it saves CHF 451.20 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 464.90 in 2025 to CHF 331.20 — a rise of 3.8 %.
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 |
| 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 |
| Philos | CHF 569.40 | View |
| Einsiedler | CHF 591.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.