Vivao Sympany — Region 1 of canton St. Gallen, 2026 premiums
Vivao Sympany covers the 8 municipalities of Region 1 in canton St. Gallen. Its lowest adult premium here is CHF 326.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 2 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 Vivao Sympany to Sanitas, the cheapest insurer in this region, saves CHF 0.60 a year for an adult on the same profile.
The full Vivao Sympany table
192 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 561.00 | CHF 493.70 | CHF 479.70 | CHF 482.50 |
| 500 | CHF 549.40 | CHF 482.10 | CHF 468.00 | CHF 470.80 |
| 1'000 | CHF 520.20 | CHF 452.90 | CHF 438.90 | CHF 441.70 |
| 1'500 | CHF 491.00 | CHF 423.70 | CHF 409.70 | CHF 412.50 |
| 2'000 | CHF 461.90 | CHF 394.60 | CHF 380.50 | CHF 383.30 |
| 2'500 | CHF 432.70 | CHF 365.40 | CHF 351.40 | CHF 354.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 409.60 | CHF 360.40 | CHF 350.20 | CHF 352.20 |
| 500 | CHF 397.90 | CHF 348.80 | CHF 338.50 | CHF 340.60 |
| 1'000 | CHF 368.70 | CHF 319.60 | CHF 309.40 | CHF 311.40 |
| 1'500 | CHF 339.60 | CHF 290.40 | CHF 280.20 | CHF 282.20 |
| 2'000 | CHF 310.40 | CHF 261.30 | CHF 251.00 | CHF 253.10 |
| 2'500 | CHF 281.20 | CHF 232.10 | CHF 221.90 | CHF 223.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 165.50 | CHF 145.70 | CHF 141.50 | CHF 142.40 |
| 200 | CHF 153.90 | CHF 134.00 | CHF 129.90 | CHF 130.70 |
| 400 | CHF 142.20 | CHF 122.40 | CHF 118.20 | CHF 119.00 |
| 600 | CHF 130.50 | CHF 110.70 | CHF 106.50 | CHF 107.40 |
With or without accident cover
With accident cover: CHF 561.00 a month. Without: CHF 521.80. Dropping it saves CHF 470.40 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 453.00 in 2025 to CHF 326.90 — a rise of 5.9 %.
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 |
| 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 |
| 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.