# Health insurance premiums 2026 in Gaiserwald (SG), for a young adult aged 19 to 25 who wants a deductible of 2'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with accident cover · monthly premiums in CHF_

In [Gaiserwald](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/) with a 2'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/), the cheapest monthly basic insurance premium is **205.95 CHF** with **CSS** (Hausarztversicherung Profit model) and the most expensive is 409.45 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 334.25 | 322.65 | 293.45 | 264.25 | 235.15 | 205.95 | −11.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 343.10 | 331.50 | 302.30 | 273.10 | 244.00 | 214.80 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 343.15 | 331.55 | 302.35 | 273.15 | 244.05 | 214.85 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 345.05 | 333.35 | 304.25 | 275.05 | 245.85 | 216.75 | +2.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 346.70 | 335.10 | 305.90 | 276.70 | 247.60 | 218.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 346.70 | 335.10 | 305.90 | 276.70 | 247.60 | 218.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 346.70 | 335.10 | 305.90 | 276.70 | 247.60 | 218.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 346.85 | 335.25 | 306.05 | 276.85 | 247.75 | 218.55 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 346.85 | 335.25 | 306.05 | 276.85 | 247.75 | 218.55 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 347.05 | 335.45 | 306.25 | 277.05 | 247.95 | 218.75 | +3.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 344.35 | 332.75 | 303.55 | 274.35 | 245.25 | 222.15 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 344.35 | 332.75 | 303.55 | 274.35 | 245.25 | 222.15 | +2.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 355.05 | 343.45 | 314.25 | 285.05 | 255.95 | 226.75 | +10.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 355.05 | 343.45 | 314.25 | 285.05 | 255.95 | 226.75 | +10.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 355.25 | 343.65 | 314.45 | 285.25 | 256.15 | 226.95 | +1.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 355.25 | 343.65 | 314.45 | 285.25 | 256.15 | 226.95 | +1.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 355.25 | 343.65 | 314.45 | 285.25 | 256.15 | 226.95 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 347.05 | 335.45 | 306.25 | 277.05 | 247.95 | 227.05 | +14.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 357.65 | 346.05 | 316.85 | 287.65 | 258.55 | 229.35 | +7.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 358.35 | 346.75 | 317.55 | 288.35 | 259.25 | 230.05 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 358.35 | 346.75 | 317.55 | 288.35 | 259.25 | 230.05 | +3.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 359.85 | 348.25 | 319.05 | 289.85 | 260.75 | 231.55 | +11.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 361.05 | 349.45 | 320.25 | 291.05 | 261.95 | 232.75 | +10.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 349.25 | 338.65 | 312.35 | 285.85 | 259.45 | 233.15 | +6.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 361.85 | 350.25 | 321.05 | 291.85 | 262.75 | 233.55 | +6.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 364.15 | 352.55 | 323.35 | 294.15 | 265.05 | 235.85 | +11.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 355.15 | 344.35 | 317.55 | 290.75 | 263.85 | 237.05 | +6.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 365.85 | 354.15 | 329.35 | 300.25 | 266.65 | 237.55 | −4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 365.95 | 354.35 | 325.15 | 295.95 | 266.85 | 237.65 | +2.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 367.15 | 355.55 | 326.35 | 297.15 | 268.05 | 239.15 | +8.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 368.05 | 356.45 | 327.25 | 298.05 | 268.95 | 239.75 | −1.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 370.25 | 358.65 | 329.45 | 300.25 | 271.15 | 241.95 | +6.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 359.85 | 349.85 | 324.45 | 299.05 | 273.65 | 242.35 | +5.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 371.05 | 359.45 | 330.25 | 301.05 | 271.95 | 242.75 | +3.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 372.35 | 360.75 | 331.55 | 302.35 | 273.25 | 244.05 | +5.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 372.05 | 360.55 | 331.55 | 302.05 | 273.05 | 244.05 | +7.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 373.45 | 366.75 | 332.55 | 303.45 | 274.25 | 245.05 | +1.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 374.25 | 362.75 | 333.75 | 304.25 | 275.25 | 246.25 | +7.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 374.85 | 363.25 | 334.05 | 304.85 | 275.75 | 246.55 | +11.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 375.15 | 363.55 | 334.35 | 305.15 | 276.05 | 246.85 | +7.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 375.15 | 363.55 | 334.35 | 305.15 | 276.05 | 246.85 | +7.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 376.55 | 364.95 | 335.75 | 306.65 | 277.45 | 249.45 | +5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 375.65 | 363.95 | 345.75 | 316.55 | 278.65 | 249.55 | +4.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 378.75 | 372.15 | 337.95 | 308.75 | 279.65 | 250.45 | +1.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 379.45 | 367.85 | 338.65 | 309.45 | 280.35 | 251.15 | +4.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 379.85 | 368.25 | 339.05 | 309.85 | 280.75 | 251.55 | +4.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 379.35 | 367.75 | 338.55 | 309.35 | 280.25 | 251.65 | +8.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 370.45 | 359.65 | 332.85 | 306.05 | 279.25 | 252.45 | +4.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 370.45 | 359.65 | 332.85 | 306.05 | 279.25 | 252.45 | +4.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 381.75 | 370.15 | 340.95 | 311.75 | 282.65 | 253.45 | +1.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 381.75 | 370.15 | 340.95 | 311.75 | 282.65 | 253.45 | +7.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 381.75 | 370.15 | 340.95 | 311.75 | 282.65 | 253.45 | +7.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 381.75 | 370.15 | 340.95 | 311.75 | 282.65 | 253.45 | +5.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 383.05 | 371.45 | 342.25 | 313.05 | 283.95 | 254.75 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 383.85 | 372.25 | 343.05 | 313.85 | 284.75 | 255.55 | −10.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 385.65 | 374.15 | 345.15 | 315.65 | 286.65 | 257.65 | +7.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 386.45 | 374.75 | 345.65 | 316.45 | 287.25 | 258.15 | +6.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 387.25 | 375.75 | 346.75 | 317.25 | 288.25 | 259.25 | +7.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 387.85 | 376.35 | 347.35 | 317.85 | 288.85 | 259.85 | +7.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 389.85 | 378.25 | 349.05 | 319.85 | — | 261.55 | +2.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 390.05 | 378.55 | 349.55 | 320.05 | 291.05 | 262.05 | +7.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 391.55 | 380.05 | 351.05 | 321.55 | 292.55 | 263.55 | +7.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 393.25 | 381.65 | 352.45 | 323.25 | — | 264.95 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 393.55 | 381.85 | 352.65 | 323.55 | 294.35 | 265.15 | +5.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 395.05 | 383.45 | 354.25 | 325.05 | 295.95 | 266.75 | +9.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 395.25 | 387.95 | 358.85 | 329.65 | 296.15 | 266.95 | +5.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 395.35 | 383.75 | 354.55 | 325.35 | 296.25 | 267.05 | +3.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 395.35 | 383.75 | 354.55 | 325.35 | 296.25 | 267.05 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 398.95 | 387.45 | 358.45 | 328.95 | 299.95 | 270.95 | +6.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 400.45 | 388.75 | 359.55 | 330.45 | 301.25 | 272.05 | −9.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 400.85 | 389.15 | 360.05 | 330.85 | 301.65 | 272.55 | New tariff 2026 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 401.65 | 396.15 | 360.85 | 337.25 | 314.65 | 273.45 | +8.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 403.05 | 391.45 | 362.25 | 333.05 | 303.95 | 274.85 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 403.75 | 397.05 | 362.95 | 333.75 | 304.55 | 275.45 | +1.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 404.05 | 392.35 | 363.15 | 334.05 | 304.85 | 275.65 | +5.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 404.45 | 392.75 | 363.55 | 334.45 | 305.25 | 276.05 | +2.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 405.15 | 393.45 | 364.35 | 335.15 | 305.95 | 276.85 | New tariff 2026 |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Glarnermed-24 | 398.85 | 387.75 | 360.05 | 332.35 | 304.65 | 276.95 | +3.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 405.55 | 398.85 | 364.75 | 335.55 | 306.35 | 277.25 | +1.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 406.55 | 394.95 | 365.75 | 336.55 | — | 278.25 | +2.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 409.05 | 397.45 | 368.25 | 339.05 | 309.95 | 280.75 | +5.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 409.85 | 398.25 | 369.05 | 339.85 | — | 281.55 | +4.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 410.45 | 398.85 | 369.65 | 340.45 | 311.35 | 282.15 | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 410.75 | 399.15 | 369.95 | 340.75 | 311.65 | 282.45 | −5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 402.95 | 391.25 | 362.15 | 335.15 | 308.15 | 283.35 | +7.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 413.55 | 401.95 | 372.75 | 343.55 | 314.45 | 285.25 | +5.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 414.25 | 402.65 | 373.45 | 344.35 | 315.15 | 285.95 | +5.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 414.25 | 402.65 | 373.45 | 344.25 | 315.15 | 285.95 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 417.45 | 405.85 | 376.65 | 347.45 | 318.35 | 289.15 | +3.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 417.85 | 406.15 | 377.05 | 347.85 | 318.65 | 289.55 | +5.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 417.85 | 406.15 | 377.05 | 347.85 | 318.65 | 289.55 | +5.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 418.95 | 412.25 | 378.05 | 348.95 | 319.75 | 290.55 | +1.7 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 420.10 | 408.45 | 379.30 | 350.10 | 320.95 | 291.80 | 0.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 421.75 | 410.15 | 380.95 | 351.75 | 322.65 | 293.45 | +8.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 421.55 | 410.05 | 381.05 | 351.55 | 322.55 | 293.55 | 0.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 423.25 | 411.65 | 382.45 | 353.25 | — | 294.95 | +2.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 425.65 | 414.05 | 384.85 | 355.65 | 326.55 | 297.35 | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 427.15 | 415.55 | 386.35 | 357.15 | 328.05 | 298.85 | −18.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 427.85 | 421.15 | 387.05 | 357.85 | 328.65 | 299.55 | +1.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 428.35 | 416.85 | 387.85 | 358.35 | 329.35 | 300.35 | +6.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 431.25 | 419.65 | 390.45 | 361.25 | 332.15 | 302.95 | +5.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 387.65 | 375.95 | 364.25 | 348.25 | 332.15 | 302.95 | +5.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 431.25 | 419.65 | 390.45 | 361.25 | 332.15 | 302.95 | +5.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 431.65 | 419.95 | 390.85 | 361.65 | 332.45 | 303.35 | +5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 431.55 | 420.05 | 391.05 | 361.55 | 332.55 | 303.55 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 433.95 | 422.25 | 393.15 | 363.95 | 334.75 | 305.65 | +5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 436.55 | 425.05 | 396.05 | 366.55 | 337.55 | 308.55 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 438.85 | 427.35 | 398.35 | 368.85 | 339.85 | 310.85 | +6.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 441.25 | 434.55 | 400.35 | 371.25 | 342.05 | 312.85 | +1.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 450.05 | 438.35 | 409.15 | 380.05 | 350.85 | 321.65 | +5.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 450.05 | 438.45 | 409.25 | 380.05 | 350.95 | 321.75 | +5.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 451.45 | 439.95 | 410.95 | 381.45 | 352.45 | 323.45 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 454.65 | 442.95 | 413.75 | 384.65 | 355.45 | 326.25 | +5.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 456.55 | 444.95 | 415.75 | 386.55 | — | 328.25 | +2.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 462.85 | 453.50 | 425.40 | 397.35 | 364.55 | 336.50 | +5.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 461.75 | 451.75 | 426.65 | 401.55 | 376.55 | 351.45 | +5.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 486.85 | 477.00 | 447.50 | 417.95 | 388.45 | 358.95 | +6.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 493.85 | 482.35 | 453.35 | 423.85 | 394.85 | 365.85 | 0.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 483.45 | 473.05 | 446.75 | 420.45 | 394.25 | 368.05 | +8.1 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 497.35 | 485.75 | 456.55 | 427.35 | 398.25 | 369.05 | +17.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 488.95 | 478.35 | 451.75 | 425.25 | 398.75 | 372.15 | +8.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 537.75 | 526.15 | 496.95 | 467.75 | 438.65 | 409.45 | +8.1 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Gaiserwald for a young adult aged 19 to 25 with a deductible of 2'500 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/), the cheapest offer in [Gaiserwald](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/) is CSS (Hausarztversicherung Profit) at 205.95 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 229.35 CHF a month.

### How much does health insurance cost in Gaiserwald in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/) with a deductible of 2'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/), monthly premiums run from 205.95 CHF (CSS, Hausarztversicherung Profit) to 409.45 CHF (SLKK, 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: 296.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Gaiserwald for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 334.25 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-300/) to 205.95 CHF with the 2'500 CHF deductible: 128.30 CHF less a month, 1'539.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 2'011 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Gaiserwald for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 2'500 CHF and with accident cover, the cheapest premium per model is: standard model 229.35 CHF (Sanitas), family doctor / HMO 205.95 CHF (CSS), flexible model 218.55 CHF (Sanitas), telemedicine 214.85 CHF (Sanitas).

### 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 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 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 211.10 CHF at CSS (Hausarztversicherung Profit) gives 205.95 CHF after redistribution.

### 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 premiums on this page are those approved by the FOPH for 2026.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Gaiserwald is in region 1 of canton St. Gallen.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Gaiserwald (SG): every situation: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/
- Premiums 2026 in Gaiserwald (SG), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/
- Premiums 2026 in Gaiserwald (SG), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/child/
- Adult: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-2500/
- Deductible Premiums 2026 in Gaiserwald (SG), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-300/
- Deductible Premiums 2026 in Gaiserwald (SG), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-500/
- Deductible Premiums 2026 in Gaiserwald (SG), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Gaiserwald (SG), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2026 in Gaiserwald (SG), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-2000/

Address of this page: praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/with-accident/deductible-300/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `gaiserwald` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-2500` with `deductible-300` for another deductible. Markdown version: add `.md`.