vita surselva — Region 3 of canton St. Gallen, 2026 premiums
vita surselva covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 342.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
vita surselva ranks 19 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 vita surselva to Agrisano, the cheapest insurer in this region, saves CHF 766.80 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 490.00 | CHF 465.50 |
| 500 | CHF 480.20 | CHF 456.20 |
| 1'000 | CHF 450.80 | CHF 428.25 |
| 1'500 | CHF 421.40 | CHF 395.65 |
| 2'000 | CHF 392.00 | CHF 367.75 |
| 2'500 | CHF 362.60 | CHF 344.45 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 300 | CHF 400.00 | CHF 370.00 |
| 500 | CHF 392.00 | CHF 362.60 |
| 1'000 | CHF 360.00 | CHF 333.00 |
| 1'500 | CHF 332.00 | CHF 303.40 |
| 2'000 | CHF 304.00 | CHF 277.50 |
| 2'500 | CHF 272.00 | CHF 251.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor |
|---|---|---|
| 0 | CHF 112.00 | CHF 106.00 |
| 100 | CHF 106.40 | CHF 100.70 |
| 200 | CHF 100.80 | CHF 94.35 |
| 300 | CHF 95.20 | CHF 89.05 |
| 400 | CHF 89.60 | CHF 82.70 |
| 500 | CHF 82.90 | CHF 77.40 |
| 600 | CHF 77.30 | CHF 71.00 |
With or without accident cover
With accident cover: CHF 490.00 a month. Without: CHF 487.05. Dropping it saves CHF 35.40 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 456.00 in 2025 to CHF 342.40 — a rise of 2.1 %.
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 |
| 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 |
| 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.