Sumiswalder Hausarzt — Region 1, St. Gallen
Region 1, St. Gallen: the Hausarzt model from Sumiswalder costs CHF 510.90 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 510.90, Hausarzt 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, Hausarzt costs CHF 532.80 less per year than Sumiswalder'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 510.90 | CHF 475.10 |
| 500 | CHF 500.10 | CHF 465.10 |
| 1'000 | CHF 473.30 | CHF 440.20 |
| 1'500 | CHF 446.50 | CHF 415.30 |
| 2'000 | CHF 419.70 | CHF 390.40 |
| 2'500 | CHF 392.90 | CHF 365.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 375.60 | CHF 349.30 |
| 500 | CHF 364.80 | CHF 339.30 |
| 1'000 | CHF 338.00 | CHF 314.40 |
| 1'500 | CHF 311.20 | CHF 289.50 |
| 2'000 | CHF 284.40 | CHF 264.50 |
| 2'500 | CHF 257.60 | CHF 239.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.90 | CHF 112.50 |
| 100 | CHF 115.50 | CHF 107.50 |
| 200 | CHF 110.20 | CHF 102.50 |
| 300 | CHF 104.70 | CHF 97.40 |
| 400 | CHF 99.40 | CHF 92.50 |
| 500 | CHF 94.10 | CHF 87.60 |
| 600 | CHF 88.60 | CHF 82.40 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 1
- Valais — Region 2
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.