Visana — Region 1 of canton St. Gallen, 2026 premiums
Visana covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 386.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Visana ranks 20 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 509.79 a month.
What staying costs
Moving from Visana to Sanitas, the cheapest insurer in this region, saves CHF 739.80 a year for an adult on the same profile.
The full Visana table
364 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 637.50 | CHF 548.30 | CHF 541.30 | CHF 548.30 |
| 500 | CHF 630.80 | CHF 541.60 | CHF 534.60 | CHF 541.60 |
| 1'000 | CHF 596.70 | CHF 507.50 | CHF 500.50 | CHF 507.50 |
| 1'500 | CHF 567.50 | CHF 478.30 | CHF 471.30 | CHF 478.30 |
| 2'000 | CHF 538.30 | CHF 449.10 | CHF 442.10 | CHF 449.10 |
| 2'500 | CHF 509.20 | CHF 420.00 | CHF 413.00 | CHF 420.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 446.40 | CHF 383.90 | CHF 378.60 | CHF 408.90 |
| 500 | CHF 439.70 | CHF 377.30 | CHF 371.90 | CHF 402.20 |
| 1'000 | CHF 405.50 | CHF 343.10 | CHF 337.70 | CHF 368.10 |
| 1'500 | CHF 376.40 | CHF 313.90 | CHF 308.60 | CHF 338.90 |
| 2'000 | CHF 347.20 | CHF 284.80 | CHF 279.40 | CHF 309.70 |
| 2'500 | CHF 318.00 | CHF 255.60 | CHF 250.20 | CHF 280.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 64.10 | CHF 55.20 | CHF 54.40 | CHF 55.20 |
| 100 | CHF 58.30 | CHF 49.70 | CHF 49.00 | CHF 49.70 |
| 200 | CHF 52.40 | CHF 43.70 | CHF 43.00 | CHF 43.70 |
| 300 | CHF 46.60 | CHF 37.70 | CHF 36.90 | CHF 37.70 |
| 400 | CHF 40.80 | CHF 34.50 | CHF 34.50 | CHF 34.50 |
| 500 | CHF 34.90 | CHF 34.50 | CHF 34.50 | CHF 34.50 |
| 600 | CHF 34.50 | CHF 34.50 | CHF 34.50 | CHF 34.50 |
With or without accident cover
With accident cover: CHF 637.50 a month. Without: CHF 595.80. Dropping it saves CHF 500.40 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 534.80 in 2025 to CHF 386.00 — a rise of 1.2 %.
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 | |
|---|---|---|
| Sanitas | CHF 479.65 | View |
| 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 |
| 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.