Sumiswalder Hausarzt — Region 2, St. Gallen
Region 2, St. Gallen: the Hausarzt model from Sumiswalder costs CHF 474.50 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 474.50, Hausarzt 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, Hausarzt costs CHF 494.40 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 474.50 | CHF 441.30 |
| 500 | CHF 463.70 | CHF 431.30 |
| 1'000 | CHF 436.90 | CHF 406.40 |
| 1'500 | CHF 410.10 | CHF 381.40 |
| 2'000 | CHF 383.30 | CHF 356.50 |
| 2'500 | CHF 356.50 | CHF 331.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 352.20 | CHF 327.50 |
| 500 | CHF 341.50 | CHF 317.60 |
| 1'000 | CHF 314.60 | CHF 292.60 |
| 1'500 | CHF 287.80 | CHF 267.70 |
| 2'000 | CHF 261.00 | CHF 242.80 |
| 2'500 | CHF 234.30 | CHF 217.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 110.00 | CHF 102.30 |
| 100 | CHF 104.60 | CHF 97.30 |
| 200 | CHF 99.30 | CHF 92.40 |
| 300 | CHF 93.80 | CHF 87.30 |
| 400 | CHF 88.60 | CHF 82.40 |
| 500 | CHF 83.20 | CHF 77.40 |
| 600 | CHF 77.70 | CHF 72.30 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- 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.