Sanitas in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest Sanitas premium went from CHF 281.00 a month in 2015 to CHF 445.80 in 2026 — a rise of +58.7 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 281.00 | CHF 247.00 | CHF 34.00 |
| 2016 | CHF 314.10 | CHF 257.00 | CHF 57.10 |
| 2017 | CHF 350.10 | CHF 292.90 | CHF 57.20 |
| 2018 | CHF 360.60 | CHF 311.00 | CHF 49.60 |
| 2019 | CHF 373.20 | CHF 331.20 | CHF 42.00 |
| 2020 | CHF 358.70 | CHF 333.50 | CHF 25.20 |
| 2021 | CHF 358.70 | CHF 331.20 | CHF 27.50 |
| 2022 | CHF 358.90 | CHF 332.90 | CHF 26.00 |
| 2023 | CHF 381.50 | CHF 343.90 | CHF 37.60 |
| 2024 | CHF 407.60 | CHF 366.90 | CHF 40.70 |
| 2025 | CHF 428.40 | CHF 381.60 | CHF 46.80 |
| 2026 | CHF 445.80 | CHF 401.60 | CHF 44.20 |
Faster or slower than the rest?
Sanitas rose +58.7 % 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 2016: +11.8 % in one go. The premium did not move in 2021.
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
Sanitas, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.