Canton of St. Gallen: Health insurances & premiums in comparison

There are a total of 29 health insurances in the canton of St. Gallen. These 29 health insurances offer different models of basic insurance. Although all health insurances in St. Gallen are required by law to provide benefits, the monthly premiums can vary greatly. This depends on various factors such as the health insurance company chosen, the model of basic insurance, the deductible rate chosen, the premium region and the age of the insured person in the canton of St. Gallen.

These differences are also clearly visible in the health insurance premiums for 2024 in St. Gallen. The cheapest monthly premium in the canton of St. Gallen is currently CHF 247.65, while the most expensive is CHF 611.95. If you take a few important points into account when choosing your health insurance, you can make considerable savings in St. Gallen. In fact, it is possible to save up to CHF 4’371.60 in the canton of St. Gallen.

Please note that the premiums indicated for 2024 are based on current information and may change during the course of the year. It is advisable to regularly check the current premiums and conditions of the health insurances.

health insurance St. Gallen

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The cheapest health insurances in the canton of St. Gallen

In 2024, health insurance premiums in the canton of St. Gallen rose by 5.1% compared to 2023. Sanitas, Concordia and Sympany are the cheapest health insurances in the canton of St. Gallen. According to the FOPH, the rising premiums are the result of the growing costs in the healthcare sector, which are due to the increasing average age and medical and technological progress.

The 10 cheapest health insurances in the canton of St. Gallen are listed below:

Health insurance Model Premiums in CHF
Sympany HMO 279.25
Concordia HMO 281.65
Sanitas Netmed 283.45
CSS HMO 287.85
KPT KPTwin 288.95
Atupri SmartCare 290.05
Visana Combi Care 295.15
Assura PreventoMed 296.65
Helsana Benefit Plus 302.15
Aquilana Smartmed 303.55

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in the canton of St. Gallen

*Region 1: City of St. Gallen

Canton St. Gallen: Premium region 2

The 10 cheapest health insurance companies in premium region 2(Canton of St. Gallen) are listed below:

Health insurance Model Premiums in CHF
Atupri SmartCare 247.65
Agrisano AGRIsmart 251.85
CSS HMO 254.25
Concordia HMO 256.25
KPT KPTwin 256.25
Sanitas CompactOne 264.25
Assura PreventoMed 265.85
EGK TelCare 267.55
Swica Favorit Sante 268.75
Visana Combi Care 281.05

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 2(Canton of St. Gallene).

*Premium region 2: Rorschach, Sanganserland, See-Gaster, Rheintal, Werdenberg, Toggenburg, Wil.

Canton of St. Gallen: Premium region 3

The 10 cheapest health insurance companies in premium region 3(Canton St. Gallen) are listed below:

Health insurance Model Premiums in CHF
EGK TelCare 225.65
KPT AGRIsmart 239.65
Agrisano KPTwin 242.35
CSS HMO 242.45
Concordia HMO 243.75
Atupri SmartCare 245.85
Assura PreventoMed 246.45
Sanitas Netmed 254.75
Swica HMO 255.35
Helsana Benefit Plus 261.95

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 3(Canton of St. Gallen)

*Premium region 3: Rheintal, Werdenberg, Toggenburg, Wil.

Compare and change health insurance companies in St. Gallen

Health insurance premiums in the canton of St. Gallen vary considerably depending on the health insurance company. The health insurance comparison helps to find the cheapest health insurance in the canton of St. Gallen. It is important to note that the benefits of basic health insurance are set by law and remain identical regardless of the health insurance company. Savings on premiums are made by changing health insurances.

Basic insurance savings models in St. Gallen

The models of basic insurance can also influence the amount of health insurance premiums in St. Gallen. As a rule, insured persons pay more if they opt for a model with free choice of doctor, such as the standard model. However, if you are willing to commit to a specific contact person or a consultation hotline, you can save money in St. Gallen through models such as family doctor, HMO or Telmed models.

Changing the deductible rate in St. Gallen

Adult policyholders in St. Gallen can choose from a total of 6 deductibles, ranging from 300 francs to 2,500 francs. The choice of deductible rate has a direct influence on the amount of the health insurance premium. As a rule of thumb, if you choose a higher deductible rate, the monthly premium will be lower. Therefore, it may be worthwhile for people with lower health costs to choose a higher deductible rate. This way, you can save up to CHF 1,000 over the course of the year.

Health insurance premiums by canton

The health insurance premiums by canton and premium region are listed below: