Premium region St. Gallen 3
CHF 534 per month
About CHF 6,408 a year for one adult.
Compared with 2026 that is CHF 18 more per month per adult, about CHF 216 a year.
How we calculate: one adult, standard model with accident cover, CHF 300 deductible, median across all insurers, premium year 2027. Individual offers range from CHF 488 to CHF 658. What you pay depends on your insurer, your model and your deductible.
Worth switching? Compare the 2027 premiums in your region and create the cancellation letter. It must reach your insurer by 30 November 2026. Switch health insurer
The cheapest insurers 2027 in this region
One adult with accident cover, each insurer’s cheapest offer. Tariffs an insurer offers only in some municipalities are not listed here; the calculator shows them for your municipality.
Standard model (free choice of doctor), CHF 300 deductible
| Insurer | Tariff | CHF per month |
|---|---|---|
| Agrisano | Basic health insuranceStandard (free choice of doctor) | 488.00 |
| vita surselva | Basic health insuranceStandard (free choice of doctor) | 502.00 |
| Glarner | Basic health insuranceStandard (free choice of doctor) | 504.60 |
| Helsana | Basic health insuranceStandard (free choice of doctor) | 513.00 |
| Sumiswalder | Basic health insuranceStandard (free choice of doctor) | 513.40 |
All models (family doctor, HMO, telemedicine …), CHF 2500 deductible
| Insurer | Tariff | CHF per month |
|---|---|---|
| Agrisano | AGRIsmartTelemedicine | 311.10 |
| Helsana | Helsana BeneFit PLUS General Practitioner R1Family doctor or HMO | 318.00 |
| KPT | KPTwin.smart - GP with appTelemedicine | 319.80 |
| CONCORDIA | HMOFamily doctor or HMO | 323.70 |
| Galenos | Combi CareOther models (combined, pharmacy) | 331.10 |
Source: FOPH, premiums 2027. Ubivo receives no commission from health insurers. Whether switching pays off for you is worked out by the calculator with your current insurer, model and deductible.
23 municipalities in this region
The same premium applies in all of these municipalities. What sets them apart is on the municipal page: tax multiplier, electricity price and the full annual cost.
Source: FOPH, 2027 premiums (standard model with accident cover, CHF 300 deductible) and priminfo.admin.ch for the regional assignment.