sana24 — Region 3 of canton St. Gallen, 2026 premiums
sana24 covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 295.80 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
sana24 ranks 9 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 sana24 to Agrisano, the cheapest insurer in this region, saves CHF 518.40 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 517.20 | CHF 486.70 | CHF 475.90 | CHF 444.80 |
| 500 | CHF 505.50 | CHF 475.00 | CHF 464.20 | CHF 433.20 |
| 1'000 | CHF 476.40 | CHF 445.90 | CHF 435.00 | CHF 404.00 |
| 1'500 | CHF 447.20 | CHF 416.70 | CHF 405.90 | CHF 374.80 |
| 2'000 | CHF 418.00 | CHF 387.50 | CHF 376.70 | CHF 345.70 |
| 2'500 | CHF 388.90 | CHF 358.40 | CHF 347.50 | CHF 316.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 413.80 | CHF 389.40 | CHF 364.20 | CHF 364.20 |
| 500 | CHF 402.20 | CHF 377.80 | CHF 352.60 | CHF 352.60 |
| 1'000 | CHF 373.00 | CHF 348.60 | CHF 323.40 | CHF 323.40 |
| 1'500 | CHF 343.80 | CHF 319.40 | CHF 294.20 | CHF 294.20 |
| 2'000 | CHF 314.70 | CHF 290.30 | CHF 265.10 | CHF 265.10 |
| 2'500 | CHF 285.50 | CHF 261.10 | CHF 235.90 | CHF 235.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 52.10 | CHF 51.60 | CHF 45.90 | CHF 51.60 |
| 100 | CHF 48.50 | CHF 48.00 | CHF 42.70 | CHF 48.00 |
| 200 | CHF 44.80 | CHF 44.40 | CHF 39.50 | CHF 44.40 |
| 300 | CHF 41.20 | CHF 40.80 | CHF 36.30 | CHF 40.80 |
| 400 | CHF 37.60 | CHF 37.20 | CHF 33.10 | CHF 37.20 |
| 500 | CHF 34.00 | CHF 33.70 | CHF 30.00 | CHF 33.70 |
| 600 | CHF 30.40 | CHF 30.10 | CHF 28.10 | CHF 30.10 |
With or without accident cover
With accident cover: CHF 517.20 a month. Without: CHF 483.40. Dropping it saves CHF 405.60 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 428.40 in 2025 to CHF 295.80 — a rise of 3.8 %.
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 |
| 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 |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.