Visana — Region 3 of canton St. Gallen, 2026 premiums
Visana covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 352.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Visana ranks 22 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 Visana to Agrisano, the cheapest insurer in this region, saves CHF 1'240.80 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 594.10 | CHF 511.00 | CHF 505.00 | CHF 511.00 |
| 500 | CHF 587.40 | CHF 504.30 | CHF 498.40 | CHF 504.30 |
| 1'000 | CHF 553.30 | CHF 470.10 | CHF 464.20 | CHF 470.10 |
| 1'500 | CHF 524.10 | CHF 441.00 | CHF 435.00 | CHF 441.00 |
| 2'000 | CHF 494.90 | CHF 411.80 | CHF 405.90 | CHF 411.80 |
| 2'500 | CHF 465.80 | CHF 382.60 | CHF 376.70 | CHF 382.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 416.00 | CHF 357.80 | CHF 352.80 | CHF 382.70 |
| 500 | CHF 409.30 | CHF 351.10 | CHF 346.20 | CHF 376.10 |
| 1'000 | CHF 375.20 | CHF 317.00 | CHF 312.00 | CHF 341.90 |
| 1'500 | CHF 346.00 | CHF 287.80 | CHF 282.80 | CHF 312.70 |
| 2'000 | CHF 316.80 | CHF 258.60 | CHF 253.70 | CHF 283.60 |
| 2'500 | CHF 287.70 | CHF 229.50 | CHF 224.50 | CHF 254.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 59.80 | CHF 51.50 | CHF 50.80 | CHF 51.50 |
| 100 | CHF 53.90 | CHF 46.40 | CHF 45.80 | CHF 46.40 |
| 200 | CHF 48.10 | CHF 40.70 | CHF 40.20 | CHF 40.70 |
| 300 | CHF 42.30 | CHF 34.00 | CHF 33.30 | CHF 34.00 |
| 400 | CHF 36.40 | CHF 32.20 | CHF 32.20 | CHF 32.20 |
| 500 | CHF 32.20 | CHF 32.20 | CHF 32.20 | CHF 32.20 |
| 600 | CHF 32.20 | CHF 32.20 | CHF 32.20 | CHF 32.20 |
With or without accident cover
With accident cover: CHF 594.10 a month. Without: CHF 555.30. Dropping it saves CHF 465.60 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 499.10 in 2025 to CHF 352.10 — a rise of 1.2 %.
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 |
| 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 |
| SLKK | CHF 506.80 | View |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.