Skip to content
Change the search: GaiserwaldAdultYoung adultChild · with accidentwithout accidentThe lowest monthly premiumThe lowest deductible300 CHF500 CHF1'000 CHF1'500 CHF2'000 CHF2'500 CHF0 CHF100 CHF200 CHF400 CHF600 CHF

Health insurance premiums 2027 in Gaiserwald (SG) For a child aged 0 to 18, deductible of 200 CHF, with accident cover

Copy pageCopied!
Copy pageCopy this page’s data and sources as Markdown for an LLMView as MarkdownThe page as plain textGuide for LLMs (llms.txt)Access our pages, data and sources in LLM-readable formatsOpen in ClaudeAsk your questions about this pageOpen in ChatGPTAsk your questions about this page

122 offersfrom 25 health insurers

Child (0 to 18) · with accident cover · deductible of 200 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 4.75 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Gaiserwald (canton St. Gallen), in 2027, for a child aged 0 to 18 with a 200 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 92.55 CHF with ÖKK (ÖKK CASAMED HMO model) and the most expensive is 160.05 CHF with Sympany (Standard model).

Last modified:

Frequently asked questions

Which health insurance is the cheapest in Gaiserwald for a child aged 0 to 18 with a deductible of 200 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Gaiserwald is ÖKK (ÖKK CASAMED HMO) at 92.55 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 106.85 CHF a month.

How much does health insurance cost in Gaiserwald in 2027 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 200 CHF and with accident cover, monthly premiums run from 92.55 CHF (ÖKK, ÖKK CASAMED HMO) to 160.05 CHF (Sympany, 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: 117.95 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Gaiserwald for a child aged 0 to 18 with accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 104.15 CHF a month with the 0 CHF deductible to 69.15 CHF with the 600 CHF deductible: 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Gaiserwald for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a child aged 0 to 18 with a deductible of 200 CHF and with accident cover, the cheapest premium per model is: standard model 106.85 CHF (Agrisano), family doctor / HMO 92.55 CHF (ÖKK), flexible model 93.25 CHF (Assura), telemedicine 96.85 CHF (ÖKK).

Does a second or third child pay less in Gaiserwald?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 14 of the 25 insurers present in Gaiserwald file a reduced premium from a certain number of children insured with them, at a 200 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIcontact97.35 CHF39.35 CHF from the 3rd child
sana24Managed Care122.75 CHF41.55 CHF from the 3rd child
VisanaManaged Care123.25 CHF42.05 CHF from the 3rd child
GalenosManaged Care122.55 CHF43.55 CHF from the 3rd child
CONCORDIAHMO99.85 CHF43.85 CHF from the 3rd child
SWICAFavorit Multichoice123.65 CHF45.25 CHF from the 3rd child
AquilanaSMARTMED104.95 CHF50.15 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor110.75 CHF53.05 CHF from the 3rd child
AssuraFeminaVita93.25 CHF91.65 CHF from the 4th child, 89.95 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)123.15 CHF91.25 CHF from the 5th child
Groupe Mutuel – AvenirOptiMed (Healthcare network)125.55 CHF92.95 CHF from the 5th child
EGKEGK-TelCare107.95 CHF97.35 CHF from the 3rd child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)132.25 CHF98.05 CHF from the 5th child
SLKKSmartMed125.35 CHF111.35 CHF from the 3rd child

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 97.30 CHF at ÖKK (ÖKK CASAMED HMO) gives 92.55 CHF after redistribution.

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.