# Health insurance premiums 2027 in Rüthi (SG), for an adult aged 26 or over who wants a deductible of 2'500 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · without accident cover · monthly premiums in CHF_

In [Rüthi](https://praemiencheck.onedoc.ch/en/sg/ruthi/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/) with a 2'500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/), the cheapest monthly basic insurance premium is **295.50 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 492.40 CHF with Groupe Mutuel – Philos (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 401.00 | 391.40 | 367.50 | 343.50 | 319.50 | 295.50 | +6.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 415.10 | 404.30 | 377.20 | 350.00 | 322.90 | 295.80 | +1.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 416.70 | 405.90 | 378.80 | 351.60 | — | 297.40 | +5.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 419.90 | 409.10 | 381.90 | 354.80 | 327.70 | 300.50 | +1.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 419.90 | 409.10 | 381.90 | 354.80 | 327.70 | 300.50 | −3.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 420.50 | 409.70 | 382.50 | 355.40 | — | 301.10 | +0.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 424.60 | 413.80 | 386.70 | 359.50 | 332.40 | 305.30 | +4.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 427.20 | 416.20 | 388.60 | 361.00 | 333.50 | 305.90 | +3.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 427.70 | 416.85 | 389.70 | 362.55 | 335.40 | 308.25 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 428.80 | 418.00 | 395.70 | 368.60 | 336.60 | 309.50 | New tariff 2027 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 429.40 | 418.50 | 391.30 | 364.00 | 336.80 | 309.50 | +8.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 429.00 | 418.20 | 391.00 | 363.90 | 336.80 | 309.60 | +8.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 429.00 | 418.20 | 391.00 | 363.90 | 336.80 | 309.60 | +8.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 429.40 | 418.60 | 391.50 | 364.30 | 337.30 | 310.10 | −0.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 423.20 | 412.40 | 385.30 | 358.10 | 331.00 | 311.60 | +2.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 424.20 | 414.00 | 388.70 | 363.40 | 338.00 | 312.60 | +7.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 432.70 | 421.85 | 394.70 | 367.50 | 340.35 | 313.25 | +6.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 434.70 | 423.70 | 396.10 | 368.50 | 341.00 | 313.40 | +4.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 432.80 | 422.00 | 394.80 | 367.70 | 340.60 | 313.50 | +2.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 432.80 | 422.00 | 394.80 | 367.70 | 340.60 | 313.50 | +2.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 433.70 | 422.80 | 400.60 | 373.50 | 341.50 | 314.30 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 426.60 | 416.30 | 390.80 | 365.40 | 339.80 | 314.40 | +6.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 434.20 | 423.50 | 396.60 | 369.10 | 342.20 | 315.20 | +0.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 435.20 | 424.50 | 397.30 | 370.10 | — | 315.90 | +10.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 439.40 | 428.40 | 400.60 | 372.90 | 345.20 | 317.50 | +6.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 436.70 | 426.00 | 399.00 | 371.60 | 344.60 | 317.70 | +0.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 439.20 | 428.30 | 401.00 | 373.70 | 346.50 | 319.20 | +7.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 439.00 | 428.20 | 401.00 | 373.90 | — | 319.60 | +5.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 438.90 | 428.10 | 401.00 | 373.80 | 346.80 | 319.60 | −1.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 438.90 | 428.10 | 401.00 | 373.80 | 346.80 | 319.60 | −3.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 440.00 | 429.20 | 402.10 | 374.90 | 347.90 | 320.70 | New tariff 2027 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 441.10 | 430.30 | 403.20 | 376.00 | 348.90 | 321.80 | +8.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 442.10 | 431.30 | 404.10 | 376.90 | 349.70 | 322.50 | +5.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 444.70 | 433.70 | 406.10 | 378.50 | 351.00 | 323.40 | +3.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 443.40 | 432.60 | 410.30 | 383.20 | 351.20 | 324.10 | New tariff 2027 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 437.90 | 427.70 | 402.10 | 376.10 | 350.40 | 324.90 | +0.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 444.50 | 433.70 | 406.60 | 379.40 | 352.30 | 325.20 | +8.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 439.40 | 430.10 | 406.40 | 382.80 | 359.30 | 327.90 | +7.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 450.50 | 439.50 | 411.70 | 384.00 | 356.30 | 328.60 | +4.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 439.30 | 429.30 | 404.40 | 379.50 | 354.60 | 329.60 | +8.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 439.30 | 429.30 | 404.40 | 379.50 | 354.60 | 329.60 | +8.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 439.80 | 428.90 | 406.70 | 379.50 | 357.30 | 330.20 | New tariff 2027 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 452.00 | 441.20 | 414.00 | 386.80 | 359.60 | 332.40 | +5.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 451.60 | 440.90 | 413.90 | 386.50 | 359.50 | 332.50 | +0.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 452.55 | 441.70 | 414.55 | 387.40 | 360.25 | 333.10 | +5.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 453.80 | 443.10 | 415.90 | 388.70 | — | 334.50 | +5.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 454.50 | 443.60 | 416.30 | 389.00 | 361.80 | 334.50 | +3.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 454.10 | 443.30 | 416.10 | 389.00 | 361.90 | 334.80 | +12.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 454.10 | 443.30 | 416.10 | 389.00 | 361.90 | 334.80 | +11.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 448.30 | 437.50 | 410.40 | 383.20 | 356.10 | 334.80 | +7.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 457.00 | 445.90 | 418.20 | 390.50 | 362.80 | 335.10 | +4.7 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 450.60 | 440.20 | 414.20 | 388.10 | 362.10 | 336.10 | −3.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 456.50 | 445.70 | 418.50 | 391.40 | 364.30 | 337.20 | +13.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 457.90 | 447.00 | 419.70 | 392.50 | 365.20 | 337.90 | +6.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 457.55 | 446.70 | 419.55 | 392.35 | 365.25 | 338.10 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 457.40 | 446.60 | 419.50 | 392.30 | 365.30 | 338.10 | +8.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 459.20 | 448.30 | 421.20 | 394.10 | 366.90 | 339.90 | +13.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 459.90 | 449.00 | 421.70 | 394.40 | 367.20 | 339.90 | +6.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 462.00 | 451.00 | 423.20 | 395.50 | 367.80 | 340.10 | +4.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 459.70 | 448.90 | 421.70 | 394.60 | 367.50 | 340.30 | +7.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 444.30 | 435.00 | 411.40 | 387.80 | 364.20 | 340.60 | −8.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 459.90 | 449.10 | 422.00 | 394.80 | 367.80 | 340.60 | +8.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 461.40 | 450.50 | 423.20 | 395.90 | 368.70 | 341.40 | +6.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 463.60 | 452.50 | 424.80 | 397.10 | 369.40 | 341.70 | +6.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 462.50 | 451.65 | 424.55 | 397.35 | 370.20 | 343.05 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 462.50 | 451.65 | 424.55 | 397.35 | 370.20 | 343.05 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 462.50 | 451.65 | 424.55 | 397.35 | 370.20 | 343.05 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 465.10 | 454.40 | 427.20 | 400.00 | 373.00 | 345.80 | New tariff 2027 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 463.30 | 452.60 | 425.40 | 398.30 | 371.20 | 346.20 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 456.80 | 450.80 | 428.60 | 401.50 | 374.30 | 347.20 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 467.20 | 456.50 | 429.50 | 402.10 | 375.10 | 348.10 | +9.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 469.80 | 458.90 | 431.60 | 404.40 | 377.10 | 349.80 | +7.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 469.60 | 458.90 | 431.70 | 404.50 | 377.50 | 350.30 | +12.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 469.90 | 459.00 | 431.80 | 404.80 | 377.60 | 350.50 | +12.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 474.05 | 464.55 | 436.10 | 407.70 | 379.20 | 350.80 | +2.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 472.50 | 461.70 | 434.50 | 407.40 | 380.30 | 353.20 | +12.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 472.50 | 461.70 | 434.50 | 407.40 | 380.30 | 353.20 | +12.9 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 474.30 | 463.40 | 436.00 | 408.50 | 381.10 | 353.70 | −3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 474.90 | 464.00 | 436.70 | 409.50 | 382.20 | 354.90 | +4.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 474.90 | 464.00 | 436.70 | 409.50 | 382.20 | 354.90 | +7.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 465.00 | 455.20 | 430.50 | 405.80 | 381.20 | 356.50 | −8.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 469.90 | 459.60 | 434.10 | 408.00 | 382.30 | 356.80 | +8.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 477.10 | 466.40 | 439.20 | 412.00 | 385.00 | 357.80 | −3.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 477.50 | 466.70 | 439.60 | 412.40 | 385.30 | 358.20 | +5.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 467.80 | 461.80 | 439.60 | 412.40 | 385.30 | 358.20 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 477.90 | 467.20 | 440.20 | 412.80 | 385.80 | 358.80 | +8.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 477.90 | 467.20 | 440.20 | 412.80 | 385.80 | 358.80 | +8.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 470.20 | 460.30 | 435.30 | 410.30 | 385.40 | 360.40 | −8.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 480.50 | 469.60 | 442.30 | 415.10 | 387.80 | 360.50 | +7.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 480.90 | 470.10 | 442.90 | 415.80 | 388.70 | 361.50 | +2.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 487.30 | 476.40 | 449.30 | 422.20 | 395.10 | 367.90 | +3.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 423.90 | 419.20 | 409.10 | 399.00 | 389.00 | 367.90 | New tariff 2027 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 491.00 | 480.30 | 453.10 | 425.90 | — | 371.70 | +5.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 499.00 | 489.00 | 459.10 | 434.15 | 404.15 | 374.25 | +3.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 496.70 | 485.80 | 458.60 | 431.40 | 404.20 | 377.00 | +5.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 496.20 | 485.60 | 458.60 | 431.10 | 404.20 | 377.20 | +0.7 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 498.10 | 487.30 | 459.80 | 432.40 | 405.00 | 377.60 | +1.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 497.35 | 486.50 | 459.35 | 432.15 | 405.05 | 377.90 | +5.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 499.60 | 488.60 | 461.00 | 433.40 | 405.90 | 378.30 | +3.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 499.30 | 488.40 | 461.10 | 433.90 | 406.60 | 379.30 | +5.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 502.20 | 491.20 | 463.40 | 435.70 | 408.00 | 380.30 | +4.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 503.60 | 492.90 | 465.70 | 438.50 | 411.50 | 384.30 | +4.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 505.50 | 494.60 | 467.30 | 440.10 | 412.80 | 385.50 | +7.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 505.00 | 494.30 | 467.10 | 440.00 | 412.90 | 385.70 | +7.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 507.60 | 501.40 | 469.50 | 442.20 | 414.90 | 387.70 | +10.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 510.60 | 499.70 | 472.40 | 445.20 | 417.90 | 390.60 | +7.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 513.60 | 507.40 | 475.40 | 448.20 | 420.90 | 393.60 | +10.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 513.60 | 507.40 | 475.40 | 448.20 | 420.90 | 393.60 | +10.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 513.60 | 507.40 | 475.40 | 448.20 | 420.90 | 393.60 | +10.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 516.70 | 505.80 | 478.30 | 450.90 | 423.50 | 396.10 | −8.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 516.80 | 506.00 | 478.80 | 451.70 | 424.60 | 397.40 | +7.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 518.90 | 508.20 | 481.00 | 453.80 | 426.80 | 399.60 | +10.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 525.50 | 519.30 | 487.40 | 460.10 | 432.80 | 405.60 | +10.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 525.90 | 515.20 | 488.20 | 460.80 | 433.80 | 406.80 | +13.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 532.00 | 521.30 | 494.30 | 466.90 | 439.90 | 413.00 | +14.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 533.90 | 523.10 | 495.90 | 468.80 | 441.70 | 414.60 | +12.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 533.90 | 523.20 | 496.30 | 468.80 | 441.90 | 414.90 | +8.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 528.90 | 518.70 | 493.10 | 467.10 | 441.40 | 415.80 | +14.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 547.30 | 536.60 | 509.60 | 482.20 | 455.20 | 428.20 | +12.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 579.20 | 573.00 | 541.10 | 513.80 | 486.50 | 459.30 | +9.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 597.10 | 590.90 | 559.00 | 531.70 | 504.40 | 477.20 | +9.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 611.50 | 600.80 | 573.80 | 546.40 | 519.40 | 492.40 | +12.3 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Rüthi for an adult aged 26 or over with a deductible of 2'500 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/), the cheapest offer in [Rüthi](https://praemiencheck.onedoc.ch/en/sg/ruthi/) is Agrisano (AGRIsmart) at 295.50 CHF a month.

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

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/) with a deductible of 2'500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/), monthly premiums run from 295.50 CHF (Agrisano, AGRIsmart) to 492.40 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: 400.30 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Rüthi for an adult aged 26 or over without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 401.00 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/deductible-300/) to 295.50 CHF with the 2'500 CHF deductible: 105.50 CHF less a month, 1'266.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'707 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Rüthi 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 2'500 CHF and without accident cover, the cheapest premium per model is: standard model 341.70 CHF (Agrisano), family doctor / HMO 295.80 CHF (Helsana), flexible model 305.30 CHF (Helsana), telemedicine 295.50 CHF (Agrisano).

### 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.

## 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: Rüthi is in region 3 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 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Rüthi (SG): every situation: https://praemiencheck.onedoc.ch/en/sg/ruthi/
- Premiums 2027 in Rüthi (SG), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/
- Premiums 2027 in Rüthi (SG), adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/sg/ruthi/child/
- Young adult: https://praemiencheck.onedoc.ch/en/sg/ruthi/young-adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/with-accident/deductible-2500/
- Deductible Premiums 2027 in Rüthi (SG), adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Rüthi (SG), adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/deductible-500/
- Deductible Premiums 2027 in Rüthi (SG), adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/deductible-1000/
- Deductible Premiums 2027 in Rüthi (SG), adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/deductible-1500/
- Deductible Premiums 2027 in Rüthi (SG), adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/ruthi/adult/no-accident/deductible-2000/

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