Vivao Sympany — Region 3, St. Gallen: twelve years of premiums
Region 3, St. Gallen: the lowest Vivao Sympany premium went from CHF 301.20 a month in 2015 to CHF 448.90 in 2026 — a rise of +49.0 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 301.20 | CHF 247.00 | CHF 54.20 |
| 2016 | CHF 329.00 | CHF 257.00 | CHF 72.00 |
| 2017 | CHF 342.60 | CHF 292.90 | CHF 49.70 |
| 2018 | CHF 354.50 | CHF 311.00 | CHF 43.50 |
| 2019 | CHF 368.80 | CHF 331.20 | CHF 37.60 |
| 2020 | CHF 372.20 | CHF 333.50 | CHF 38.70 |
| 2021 | CHF 382.20 | CHF 331.20 | CHF 51.00 |
| 2022 | CHF 362.10 | CHF 332.90 | CHF 29.20 |
| 2023 | CHF 382.20 | CHF 343.90 | CHF 38.30 |
| 2024 | CHF 423.30 | CHF 366.90 | CHF 56.40 |
| 2025 | CHF 434.40 | CHF 381.60 | CHF 52.80 |
| 2026 | CHF 448.90 | CHF 401.60 | CHF 47.30 |
Faster or slower than the rest?
Vivao Sympany rose +49.0 % 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 2024: +10.8 % 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.
Vivao Sympany, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.