Galenos Combi Care — Region 1, St. Gallen
Region 1, St. Gallen: the Combi Care model from Galenos costs CHF 498.00 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 498.00, Combi Care is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Combi Care costs CHF 1'129.20 less per year than Galenos's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 498.00 | CHF 465.50 |
| 500 | CHF 486.40 | CHF 454.60 |
| 1'000 | CHF 457.20 | CHF 427.30 |
| 1'500 | CHF 428.00 | CHF 400.00 |
| 2'000 | CHF 398.90 | CHF 372.80 |
| 2'500 | CHF 369.70 | CHF 345.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 410.30 | CHF 383.50 |
| 500 | CHF 398.60 | CHF 372.60 |
| 1'000 | CHF 369.50 | CHF 345.30 |
| 1'500 | CHF 340.30 | CHF 318.10 |
| 2'000 | CHF 311.10 | CHF 290.80 |
| 2'500 | CHF 282.00 | CHF 263.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 146.10 | CHF 136.60 |
| 100 | CHF 140.30 | CHF 131.10 |
| 200 | CHF 134.40 | CHF 125.70 |
| 300 | CHF 128.60 | CHF 120.20 |
| 400 | CHF 122.80 | CHF 114.80 |
| 500 | CHF 116.90 | CHF 109.30 |
| 600 | CHF 111.10 | CHF 103.90 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.