Health insurance premiums 2026 in Gaiserwald (SG)
Gaiserwald is in premium region 1 of the canton of St. Gallen.
For an adult aged 26 or over
Without accident cover: from 321.75 to 617.25 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF441.05 CHFSympanycasamed hmo
- Deductible of 500 CHF430.15 CHFSympanycasamed hmo
- Deductible of 1'000 CHF403.05 CHFSympanycasamed hmo
- Deductible of 1'500 CHF375.95 CHFSympanycasamed hmo
- Deductible of 2'000 CHF348.75 CHFSympanycasamed hmo
- Deductible of 2'500 CHF321.75 CHFSympanycasamed hmo
With accident cover: from 346.20 to 660.75 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF474.50 CHFSanitasFamily doctor 1
- Deductible of 500 CHF462.85 CHFSympanycasamed hmo
- Deductible of 1'000 CHF433.70 CHFSanitasFamily doctor 1
- Deductible of 1'500 CHF404.50 CHFSanitasFamily doctor 1
- Deductible of 2'000 CHF375.35 CHFSympanycasamed hmo
- Deductible of 2'500 CHF346.20 CHFSanitasFamily doctor 1
For a young adult aged 19 to 25
Without accident cover: from 191.15 to 505.15 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF310.55 CHFCSSHausarztversicherung Profit
- Deductible of 500 CHF299.75 CHFCSSHausarztversicherung Profit
- Deductible of 1'000 CHF272.55 CHFCSSHausarztversicherung Profit
- Deductible of 1'500 CHF245.45 CHFCSSHausarztversicherung Profit
- Deductible of 2'000 CHF218.35 CHFCSSHausarztversicherung Profit
- Deductible of 2'500 CHF191.15 CHFCSSHausarztversicherung Profit
With accident cover: from 205.95 to 537.75 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF334.25 CHFCSSHausarztversicherung Profit
- Deductible of 500 CHF322.65 CHFCSSHausarztversicherung Profit
- Deductible of 1'000 CHF293.45 CHFCSSHausarztversicherung Profit
- Deductible of 1'500 CHF264.25 CHFCSSHausarztversicherung Profit
- Deductible of 2'000 CHF235.15 CHFCSSHausarztversicherung Profit
- Deductible of 2'500 CHF205.95 CHFCSSHausarztversicherung Profit
For a child aged 0 to 18
With accident cover: from 63.25 to 160.35 CHF a month
122 offers from 25 health insurers.
- Deductible of 0 CHF98.25 CHFAssuraFeminaVita
- Deductible of 100 CHF92.45 CHFAssuraFeminaVita
- Deductible of 200 CHF86.65 CHFAssuraFeminaVita
- Deductible of 300 CHF80.75 CHFAssuraFeminaVita
- Deductible of 400 CHF74.95 CHFAssuraFeminaVita
- Deductible of 500 CHF69.15 CHFAssuraFeminaVita
- Deductible of 600 CHF63.25 CHFAssuraFeminaVita
Without accident cover: from 58.55 to 148.85 CHF a month
122 offers from 25 health insurers.
- Deductible of 0 CHF91.05 CHFAssuraFeminaVita
- Deductible of 100 CHF85.65 CHFAssuraFeminaVita
- Deductible of 200 CHF80.25 CHFAssuraFeminaVita
- Deductible of 300 CHF74.75 CHFAssuraFeminaVita
- Deductible of 400 CHF69.35 CHFAssuraFeminaVita
- Deductible of 500 CHF63.95 CHFAssuraFeminaVita
- Deductible of 600 CHF58.55 CHFAssuraFeminaVita
In 2026, the cheapest health insurance premium in Gaiserwald is:
- For an adult without accident cover: 441.05 CHF a month with a 300 CHF deductible (Sympany, casamed hmo), 321.75 CHF with a 2'500 CHF deductible (Sympany, casamed hmo).
- For a young adult without accident cover: 310.55 CHF a month with a 300 CHF deductible (CSS, Hausarztversicherung Profit), 191.15 CHF with a 2'500 CHF deductible (CSS, Hausarztversicherung Profit).
- For a child with accident cover: 98.25 CHF a month with a 0 CHF deductible (Assura, FeminaVita), 63.25 CHF with a 600 CHF deductible (Assura, FeminaVita).
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Frequently asked questions
Which health insurer is the cheapest in Gaiserwald in 2026?
For an adult without accident cover: Sympany (casamed hmo) at 446.20 CHF a month with a deductible of 300 CHF, and Sympany (casamed hmo) at 321.75 CHF with the 2'500 CHF deductible. Each situation above leads to the full list of offers.
Are the premiums the same across the whole region?
Yes. Gaiserwald is in premium region 1 of canton St. Gallen: every municipality in that region has exactly the same premiums. The region depends on your municipality of residence, not your postcode.
Until when can I change health insurer for 2026?
Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The deductible changes on the same date, by telling your insurer.
Do I need to include accident cover?
Generally no if you work at least 8 hours a week for the same employer: their accident insurance (UVG/LAA) also covers non-occupational accidents. Otherwise, include accident cover if you are not already fully covered by another UVG/LAA accident policy.
Why is the FOPH-approved premium higher than the price shown?
The amount shown is the FOPH-approved premium, the same one as on priminfo.admin.ch, less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person receives 61.80 CHF, which the insurer deducts from the invoices: 5.15 CHF a month, the same amount for everyone. The approved premium of 446.20 CHF at Sympany therefore gives 441.05 CHF; the ranking does not change. Your invoice may still differ, for example with your canton’s individual premium reduction.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.