Sanitas — Region 1 of canton St. Gallen, 2026 premiums
Sanitas covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 327.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas is the cheapest insurer in Region 1, out of 25 active insurers.
The regional average across insurers is CHF 509.79 a month.
What staying costs
Sanitas is already the cheapest in Region 1: no insurer here does better on the same profile.
The full Sanitas table
304 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 551.30 | CHF 479.65 | CHF 501.70 | CHF 496.20 |
| 500 | CHF 539.70 | CHF 468.05 | CHF 490.10 | CHF 484.60 |
| 1'000 | CHF 510.50 | CHF 438.85 | CHF 460.90 | CHF 455.40 |
| 1'500 | CHF 481.30 | CHF 409.65 | CHF 431.70 | CHF 426.20 |
| 2'000 | CHF 452.20 | CHF 380.55 | CHF 402.60 | CHF 397.10 |
| 2'500 | CHF 423.00 | CHF 351.35 | CHF 373.40 | CHF 367.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 362.80 | CHF 348.25 | CHF 352.00 | CHF 348.30 |
| 500 | CHF 351.20 | CHF 336.65 | CHF 340.40 | CHF 336.70 |
| 1'000 | CHF 322.00 | CHF 307.45 | CHF 311.20 | CHF 307.50 |
| 1'500 | CHF 292.80 | CHF 278.25 | CHF 282.00 | CHF 278.30 |
| 2'000 | CHF 263.70 | CHF 249.15 | CHF 252.90 | CHF 249.20 |
| 2'500 | CHF 234.50 | CHF 219.95 | CHF 223.70 | CHF 220.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 130.20 | CHF 126.20 | CHF 127.60 | CHF 125.00 |
| 100 | CHF 124.40 | CHF 120.40 | CHF 121.80 | CHF 119.20 |
| 200 | CHF 118.60 | CHF 114.60 | CHF 116.00 | CHF 113.40 |
| 300 | CHF 112.70 | CHF 108.70 | CHF 110.10 | CHF 107.50 |
| 400 | CHF 106.90 | CHF 102.90 | CHF 104.30 | CHF 101.70 |
| 500 | CHF 101.10 | CHF 97.10 | CHF 98.50 | CHF 95.90 |
| 600 | CHF 95.20 | CHF 91.20 | CHF 92.60 | CHF 90.00 |
With or without accident cover
With accident cover: CHF 551.30 a month. Without: CHF 513.30. Dropping it saves CHF 456.00 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 460.90 in 2025 to CHF 327.10 — a rise of 4.1 %.
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 | |
|---|---|---|
| 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 |
| 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.