Sanitas — Region 3 of canton St. Gallen, 2026 premiums
Sanitas covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 295.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas ranks 10 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 Sanitas to Agrisano, the cheapest insurer in this region, saves CHF 530.40 a year for an adult 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 512.40 | CHF 445.80 | CHF 466.30 | CHF 461.20 |
| 500 | CHF 500.80 | CHF 434.20 | CHF 454.70 | CHF 449.60 |
| 1'000 | CHF 471.60 | CHF 405.00 | CHF 425.50 | CHF 420.40 |
| 1'500 | CHF 442.40 | CHF 375.80 | CHF 396.30 | CHF 391.20 |
| 2'000 | CHF 413.30 | CHF 346.70 | CHF 367.20 | CHF 362.10 |
| 2'500 | CHF 384.10 | CHF 317.50 | CHF 338.00 | CHF 332.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 337.20 | CHF 323.65 | CHF 327.10 | CHF 323.80 |
| 500 | CHF 325.60 | CHF 312.05 | CHF 315.50 | CHF 312.20 |
| 1'000 | CHF 296.40 | CHF 282.85 | CHF 286.30 | CHF 283.00 |
| 1'500 | CHF 267.20 | CHF 253.65 | CHF 257.10 | CHF 253.80 |
| 2'000 | CHF 238.10 | CHF 224.55 | CHF 228.00 | CHF 224.70 |
| 2'500 | CHF 208.90 | CHF 195.35 | CHF 198.80 | CHF 195.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 121.00 | CHF 117.30 | CHF 118.60 | CHF 116.20 |
| 100 | CHF 115.20 | CHF 111.50 | CHF 112.80 | CHF 110.40 |
| 200 | CHF 109.40 | CHF 105.70 | CHF 107.00 | CHF 104.60 |
| 300 | CHF 103.50 | CHF 99.80 | CHF 101.10 | CHF 98.70 |
| 400 | CHF 97.70 | CHF 94.00 | CHF 95.30 | CHF 92.90 |
| 500 | CHF 91.90 | CHF 88.20 | CHF 89.50 | CHF 87.10 |
| 600 | CHF 86.00 | CHF 82.30 | CHF 83.60 | CHF 81.20 |
With or without accident cover
With accident cover: CHF 512.40 a month. Without: CHF 477.10. Dropping it saves CHF 423.60 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 295.60 — a rise of 4.1 %.
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 |
| 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.