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122 offersfrom 25 health insurers

Adult (26 and over) · with accident cover · deductible of 1'000 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Gaiserwald (canton St. Gallen), in 2027, for an adult aged 26 or over with a 1'000 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 453.80 CHF with ÖKK (ÖKK CASAMED HMO model) and the most expensive is 690.00 CHF with Groupe Mutuel – Philos (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Gaiserwald for an adult aged 26 or over with a deductible of 1'000 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Gaiserwald is ÖKK (ÖKK CASAMED HMO) at 453.80 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 519.70 CHF a month.

How much does health insurance cost in Gaiserwald in 2027 for an adult aged 26 or over?

For an adult aged 26 or over with a deductible of 1'000 CHF and with accident cover, monthly premiums run from 453.80 CHF (ÖKK, ÖKK CASAMED HMO) to 690.00 CHF (Groupe Mutuel – Philos, Standard model): 122 offers from 25 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 456.90 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 300 CHF or 2'500 CHF better in Gaiserwald for an adult aged 26 or over with accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 494.60 CHF a month with the 300 CHF deductible to 374.60 CHF with the 2'500 CHF deductible: 120.00 CHF less a month, 1'440.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'900 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

Which model is the cheapest in Gaiserwald for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 1'000 CHF and with accident cover, the cheapest premium per model is: standard model 519.70 CHF (Agrisano), family doctor / HMO 453.80 CHF (ÖKK), flexible model 465.00 CHF (ÖKK), telemedicine 460.40 CHF (KPT).

Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

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.