Galenos Combi Care — Region 2, St. Gallen
Region 2, St. Gallen: the Combi Care model from Galenos costs CHF 459.00 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 459.00, Combi Care is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Combi Care costs CHF 1'033.20 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 459.00 | CHF 429.00 |
| 500 | CHF 447.40 | CHF 418.10 |
| 1'000 | CHF 418.20 | CHF 390.90 |
| 1'500 | CHF 389.00 | CHF 363.60 |
| 2'000 | CHF 359.90 | CHF 336.40 |
| 2'500 | CHF 330.70 | CHF 309.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 378.10 | CHF 353.40 |
| 500 | CHF 366.50 | CHF 342.50 |
| 1'000 | CHF 337.30 | CHF 315.30 |
| 1'500 | CHF 308.10 | CHF 288.00 |
| 2'000 | CHF 279.00 | CHF 260.80 |
| 2'500 | CHF 249.80 | CHF 233.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 134.50 | CHF 125.80 |
| 100 | CHF 128.70 | CHF 120.30 |
| 200 | CHF 122.90 | CHF 114.90 |
| 300 | CHF 117.00 | CHF 109.40 |
| 400 | CHF 111.20 | CHF 104.00 |
| 500 | CHF 105.40 | CHF 98.50 |
| 600 | CHF 99.50 | CHF 93.10 |
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 1
- 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.