vita surselva — Region 1 of canton St. Gallen, 2026 premiums
vita surselva covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 432.45 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
vita surselva ranks 21 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 vita surselva to Sanitas, the cheapest insurer in this region, saves CHF 844.20 a year for an adult on the same profile.
The full vita surselva table
76 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 |
|---|---|---|
| 300 | CHF 578.00 | CHF 550.00 |
| 500 | CHF 571.05 | CHF 539.00 |
| 1'000 | CHF 543.30 | CHF 511.50 |
| 1'500 | CHF 514.40 | CHF 484.00 |
| 2'000 | CHF 485.50 | CHF 456.50 |
| 2'500 | CHF 456.60 | CHF 435.05 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 300 | CHF 492.00 | CHF 468.00 |
| 500 | CHF 482.15 | CHF 458.65 |
| 1'000 | CHF 452.65 | CHF 430.55 |
| 1'500 | CHF 423.10 | CHF 402.50 |
| 2'000 | CHF 393.60 | CHF 369.70 |
| 2'500 | CHF 364.10 | CHF 341.65 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 0 | CHF 135.00 | CHF 128.25 |
| 100 | CHF 129.35 | CHF 123.10 |
| 200 | CHF 124.20 | CHF 116.70 |
| 300 | CHF 118.80 | CHF 111.60 |
| 400 | CHF 112.05 | CHF 105.15 |
| 500 | CHF 106.65 | CHF 100.05 |
| 600 | CHF 101.25 | CHF 93.60 |
With or without accident cover
With accident cover: CHF 578.00 a month. Without: CHF 574.55. Dropping it saves CHF 41.40 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 522.00 in 2025 to CHF 432.45 — a rise of 5.4 %.
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 |
| Visana | CHF 541.30 | 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.