Mutuel in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest Mutuel premium went from CHF 289.00 a month in 2015 to CHF 464.30 in 2026 — a rise of +60.7 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 289.00 | CHF 247.00 | CHF 42.00 |
| 2016 | CHF 310.30 | CHF 257.00 | CHF 53.30 |
| 2017 | CHF 344.00 | CHF 292.90 | CHF 51.10 |
| 2018 | CHF 366.00 | CHF 311.00 | CHF 55.00 |
| 2019 | CHF 370.20 | CHF 331.20 | CHF 39.00 |
| 2020 | CHF 344.00 | CHF 333.50 | CHF 10.50 |
| 2021 | CHF 366.70 | CHF 331.20 | CHF 35.50 |
| 2022 | CHF 374.30 | CHF 332.90 | CHF 41.40 |
| 2023 | CHF 389.40 | CHF 343.90 | CHF 45.50 |
| 2024 | CHF 424.90 | CHF 366.90 | CHF 58.00 |
| 2025 | CHF 443.80 | CHF 381.60 | CHF 62.20 |
| 2026 | CHF 464.30 | CHF 401.60 | CHF 62.70 |
Faster or slower than the rest?
Mutuel rose +60.7 % over the period, against +62.6 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2017: +10.9 % 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
Mutuel, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.