Health insurer comparison 2027: St. Gallen, region 3
In the premium region St. Gallen, region 3, 25 health insurers offer basic insurance. For adults in the standard model (free choice of doctor, CHF 300 deductible, with accident cover) Agrisano is cheapest at CHF 488.00 a month and Philos Krankenversicherung AG most expensive at CHF 657.50, a difference of CHF 2’034 a year for the same benefits. The lowest possible premium (any model, CHF 2’500 deductible) is CHF 311.10 at Agrisano (AGRIsmart). Standard premiums change by a median +4.0% from 2026.
FOPH average adult premium in this region: CHF 400.30 a month.
Calculate your own premium (age, deductible, model) →
Every health insurer, St. Gallen, region 3 (CHF per month)
Standard = free choice of doctor, CHF 300 deductible, with accident cover, adults 26+. Change on the same tariff as in 2026. Lowest = the insurer's cheapest model with the highest deductible. Children = standard model, CHF 0 deductible.
| Insurer | Standard 2027 | vs 2026 | Lowest (any model) | Children |
|---|---|---|---|---|
| Agrisano | 488.00 | +4.5% | 311.10 AGRIsmart · CHF 2500 | 107.40 |
| vita surselva | 502.00 | +2.4% | 352.90 Sparmed · CHF 2500 | 116.00 |
| Glarner | 504.60 | −2.3% | 357.50 glarnermed24 · CHF 2500 | 115.50 |
| Helsana | 513.00 | −2.5% | 318.00 Helsana BeneFit PLUS Hausarzt R1 · CHF 2500 | 117.90 |
| Sumiswalder | 513.40 | +3.8% | 354.40 Hausarztmodell · CHF 2500 | 118.60 |
| ÖKK | 517.00 | +1.8% | 335.00 ÖKK CASAMED HMO · CHF 2500 | 113.80 |
| SWICA | 523.90 | +2.9% | 332.70 Favorit Santé · CHF 2500 | 131.00 |
| KPT | 528.00 | +4.0% | 319.80 KPTwin.smart - Hausarzt mit App · CHF 2500 | 126.70 |
| CONCORDIA | 528.60 | +2.5% | 323.70 HMO · CHF 2500 | 122.50 |
| Atupri Gesundheitsversicherung AG | 528.60 | +3.4% | 334.20 SmartCare · CHF 2500 | 142.70 |
| Einsiedler Krankenkasse | 529.90 | +0.8% | 401.70 BASE · CHF 2500 | 132.50 |
| EGK | 532.60 | +4.3% | 345.80 EGK-TelCare · CHF 2500 | 125.20 |
| Mutuel Krankenversicherung AG | 533.60 | +0.6% | 338.90 SanaTel (Telemedizin) · CHF 2500 | 136.40 |
| GALENOS AG | 534.20 | +4.4% | 331.10 Combi Care · CHF 2500 | 133.20 |
| Sanitas | 534.20 | +4.3% | 331.10 TelMed Basic · CHF 2500 | 126.60 |
| rhenusana | 541.50 | +3.1% | 360.00 sanmed24DE · CHF 2500 | 112.70 |
| Aquilana | 543.00 | +5.5% | 352.50 SMARTMED · CHF 2500 | 124.90 |
| sana24 | 546.30 | +5.6% | 341.50 Combi Care · CHF 2500 | 142.30 |
| SLKK | 549.70 | −6.7% | 362.40 SmartMed · CHF 2500 | 131.90 |
| Assura-Basis SA | 555.60 | +6.0% | 332.90 FeminaVita · CHF 2500 | 116.80 |
| CSS | 558.00 | +8.1% | 346.00 Hausarztversicherung Profit · CHF 2500 | 122.80 |
| Vivao Sympany | 574.00 | +9.3% | 362.50 casamed hmo · CHF 2500 | 169.40 |
| Avenir Krankenversicherung AG | 574.10 | +6.6% | 374.40 OptiMed (Ärztenetz) · CHF 2500 | 149.00 |
| Visana | 638.90 | +7.5% | 414.80 Managed Care · CHF 2500 | 153.60 |
| Philos Krankenversicherung AG | 657.50 | +9.7% | 437.50 OptiMed (Ärztenetz) · CHF 2500 | 151.20 |
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Frequently asked questions
Which health insurer is cheapest in 2027, St. Gallen, region 3?
In the standard model with the CHF 300 deductible and accident cover, Agrisano is the cheapest health insurer, St. Gallen, region 3 at CHF 488.00 a month (FOPH-approved 2027 premiums).
How low can the premium be, St. Gallen, region 3?
The lowest FOPH-approved adult premium for 2027, St. Gallen, region 3 is CHF 311.10 a month, with the highest deductible (CHF 2’500) and a model with restricted choice of doctor.
Communes in this premium region (23)
Altstätten, Balgach, Berneck, Bütschwil-Ganterschwil, Degersheim, Diepoldsau, Ebnat-Kappel, Eichberg, Gams, Grabs, Lichtensteig, Lütisburg, Marbach (SG), Mosnang, Neckertal, Nesslau, Oberriet (SG), Rebstein, Rüthi (SG), Sennwald, Wattwil, Widnau, Wildhaus-Alt St. Johann
St. Gallen, region 1 · St. Gallen, region 2 · All premium regions · St. Gallen · Premium history 2010–2027
All premiums are the compulsory health insurance premiums approved by the FOPH for 2027 (Prämien_CH.csv, opendata.swiss). Premium subsidies and discounts are not included; the insurer’s offer is binding.
Source: BAG / FOPH, opendata.swiss · priminfo.admin.ch · SLI-2026-10-03.32
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