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Sanitas or Assura-Basis in Region 3 of canton St. Gallen?

In Region 3, Assura-Basis is CHF 128.40 a year cheaper than Sanitas for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Assura-Basis comes down to CHF 435.10 a month, Sanitas to CHF 445.80. The gap is CHF 128.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Assura-Basis is worth CHF 402.00 more a year. Agrisano

Where they stand in the region

Sanitas ranks 10 and Assura-Basis ranks 5, out of 25 active insurers in this region.

Deductible by deductible

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

DeductibleSanitasAssura-BasisGap
300CHF 512.40CHF 524.20− 11.80
500CHF 500.80CHF 512.60− 11.80
1'000CHF 471.60CHF 483.40− 11.80
1'500CHF 442.40CHF 454.20− 11.80
2'000CHF 413.30CHF 425.10− 11.80
2'500CHF 384.10CHF 395.90− 11.80

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasAssura-Basis
Family doctorCHF 445.80CHF 435.10
Other modelCHF 461.20—
HMO practiceCHF 466.30—
Free choice of doctorCHF 512.40CHF 524.20

How they moved in this region

Against 2025, Sanitas moves by + 4.1 % and Assura-Basis by + 2.4 % in this region.

Sanitas, Assura-Basis, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.