Avenir in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest Avenir premium went from CHF 273.70 a month in 2015 to CHF 471.40 in 2026 — a rise of +72.2 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 273.70 | CHF 247.00 | CHF 26.70 |
| 2016 | CHF 286.50 | CHF 257.00 | CHF 29.50 |
| 2017 | CHF 307.10 | CHF 292.90 | CHF 14.20 |
| 2018 | CHF 351.00 | CHF 311.00 | CHF 40.00 |
| 2019 | CHF 361.40 | CHF 331.20 | CHF 30.20 |
| 2020 | CHF 361.20 | CHF 333.50 | CHF 27.70 |
| 2021 | CHF 371.90 | CHF 331.20 | CHF 40.70 |
| 2022 | CHF 380.90 | CHF 332.90 | CHF 48.00 |
| 2023 | CHF 407.70 | CHF 343.90 | CHF 63.80 |
| 2024 | CHF 445.10 | CHF 366.90 | CHF 78.20 |
| 2025 | CHF 450.20 | CHF 381.60 | CHF 68.60 |
| 2026 | CHF 471.40 | CHF 401.60 | CHF 69.80 |
Faster or slower than the rest?
Avenir rose +72.2 % over the period, against +62.6 % for the cheapest insurer in the same place. The gap widened: staying put cost a little more every year.
The year that hurt — The steepest year-on-year jump was 2018: +14.3 % in one go.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
St. Gallen, canton by canton
Avenir, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.