Vivao Sympany — Region 3 of canton St. Gallen, 2026 premiums
Vivao Sympany covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 298.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 14 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 Vivao Sympany to Agrisano, the cheapest insurer in this region, saves CHF 567.60 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 525.00 | CHF 462.00 | CHF 448.90 | CHF 451.50 |
| 500 | CHF 513.40 | CHF 450.40 | CHF 437.30 | CHF 439.90 |
| 1'000 | CHF 484.20 | CHF 421.20 | CHF 408.10 | CHF 410.70 |
| 1'500 | CHF 455.00 | CHF 392.00 | CHF 378.90 | CHF 381.50 |
| 2'000 | CHF 425.90 | CHF 362.90 | CHF 349.80 | CHF 352.40 |
| 2'500 | CHF 396.70 | CHF 333.70 | CHF 320.60 | CHF 323.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 383.30 | CHF 337.30 | CHF 327.70 | CHF 329.60 |
| 500 | CHF 371.60 | CHF 325.60 | CHF 316.10 | CHF 318.00 |
| 1'000 | CHF 342.50 | CHF 296.50 | CHF 286.90 | CHF 288.80 |
| 1'500 | CHF 313.30 | CHF 267.30 | CHF 257.70 | CHF 259.60 |
| 2'000 | CHF 284.10 | CHF 238.10 | CHF 228.60 | CHF 230.50 |
| 2'500 | CHF 255.00 | CHF 209.00 | CHF 206.10 | CHF 206.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 154.90 | CHF 136.30 | CHF 132.50 | CHF 133.20 |
| 200 | CHF 143.30 | CHF 124.70 | CHF 120.80 | CHF 121.60 |
| 400 | CHF 131.60 | CHF 113.00 | CHF 109.10 | CHF 109.90 |
| 600 | CHF 119.90 | CHF 101.30 | CHF 97.50 | CHF 98.20 |
With or without accident cover
With accident cover: CHF 525.00 a month. Without: CHF 488.30. Dropping it saves CHF 440.40 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 434.40 in 2025 to CHF 298.20 — a rise of 3.3 %.
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 |
| 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 |
| 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.