Sumiswalder — Region 3 of canton St. Gallen, 2026 premiums
Sumiswalder covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 303.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sumiswalder ranks 16 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 Sumiswalder to Agrisano, the cheapest insurer in this region, saves CHF 640.80 a year for an adult on the same profile.
The full Sumiswalder table
156 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 | Other model |
|---|---|---|---|
| 300 | CHF 494.50 | CHF 455.00 | CHF 455.00 |
| 500 | CHF 482.90 | CHF 443.40 | CHF 443.40 |
| 1'000 | CHF 453.70 | CHF 414.30 | CHF 414.30 |
| 1'500 | CHF 424.50 | CHF 385.00 | CHF 385.00 |
| 2'000 | CHF 395.40 | CHF 355.90 | CHF 355.90 |
| 2'500 | CHF 366.20 | CHF 326.70 | CHF 326.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 364.70 | CHF 335.60 | CHF 335.60 |
| 500 | CHF 353.10 | CHF 324.00 | CHF 324.00 |
| 1'000 | CHF 323.90 | CHF 294.80 | CHF 294.80 |
| 1'500 | CHF 294.70 | CHF 265.60 | CHF 265.60 |
| 2'000 | CHF 265.60 | CHF 240.60 | CHF 240.60 |
| 2'500 | CHF 236.40 | CHF 215.60 | CHF 215.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 56.90 | CHF 52.40 | CHF 52.40 |
| 100 | CHF 54.00 | CHF 49.50 | CHF 49.50 |
| 200 | CHF 51.10 | CHF 46.60 | CHF 46.60 |
| 300 | CHF 48.20 | CHF 43.60 | CHF 43.60 |
| 400 | CHF 45.30 | CHF 40.80 | CHF 40.80 |
| 500 | CHF 42.40 | CHF 37.80 | CHF 37.80 |
| 600 | CHF 39.40 | CHF 34.90 | CHF 34.90 |
With or without accident cover
With accident cover: CHF 494.50 a month. Without: CHF 459.90. Dropping it saves CHF 415.20 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 442.70 in 2025 to CHF 303.90 — a rise of 2.8 %.
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 |
| sana24 | CHF 444.80 | 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 |
| 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.