Galenos Combi Care — Region 3, St. Gallen
Region 3, St. Gallen: the Combi Care model from Galenos costs CHF 434.40 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 434.40, Combi Care is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Combi Care costs CHF 926.40 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 434.40 | CHF 406.00 |
| 500 | CHF 422.70 | CHF 395.10 |
| 1'000 | CHF 393.60 | CHF 367.90 |
| 1'500 | CHF 364.40 | CHF 340.60 |
| 2'000 | CHF 335.20 | CHF 313.30 |
| 2'500 | CHF 306.10 | CHF 286.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 339.20 | CHF 317.10 |
| 500 | CHF 327.60 | CHF 306.20 |
| 1'000 | CHF 298.40 | CHF 278.90 |
| 1'500 | CHF 269.20 | CHF 251.70 |
| 2'000 | CHF 240.10 | CHF 224.40 |
| 2'500 | CHF 210.90 | CHF 197.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.30 | CHF 118.10 |
| 100 | CHF 120.50 | CHF 112.60 |
| 200 | CHF 114.60 | CHF 107.10 |
| 300 | CHF 108.80 | CHF 101.70 |
| 400 | CHF 103.00 | CHF 96.20 |
| 500 | CHF 97.10 | CHF 90.80 |
| 600 | CHF 91.30 | CHF 85.30 |
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 2
- 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.