Health insurance premiums 2026 in St. Gallen (SG)For an adult aged 26 or over without accident cover
From 321.75 to 617.25 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Sympany | casamed hmo | 441.05 | 430.15 | 403.05 | 375.95 | 348.75 | 321.75 |
| 2 |  Sanitas | Family doctor 1 | 441.40 | 430.60 | 403.40 | 376.25 | 349.15 | 321.95 |
| 3 | Sympany | FlexHelp 24 | 443.65 | 432.75 | 405.65 | 378.55 | 351.35 | 324.35 |
| 4 |  SWICA | FAVORIT MULTICHOICE | 443.95 | 433.15 | 411.45 | 384.35 | 351.75 | 324.65 |
| 5 |  Helsana | BeneFit PLUS Hausarzt R2 | 444.65 | 433.85 | 406.75 | 379.55 | 352.45 | 325.35 |
| 6 | Helsana | BeneFit PLUS Hausarzt R1 | 444.65 | 433.85 | 406.75 | 379.55 | 352.45 | 325.35 |
| 7 | Helsana | BeneFit PLUS Flexmed R1 | 444.65 | 433.85 | 406.75 | 379.55 | 352.45 | 325.35 |
| 8 | Helsana | BeneFit PLUS Telmed | 444.65 | 433.85 | 406.75 | 379.55 | 352.45 | 325.35 |
| 9 | SWICA | FAVORIT SANTE | 445.35 | 434.45 | 412.75 | 385.65 | 353.15 | 325.95 |
| 10 |  sana24 | Combi Care | 446.05 | 435.15 | 407.85 | 380.65 | 353.35 | 326.05 |
| 11 |  ÖKK | HMO model | 446.65 | 435.95 | 408.75 | 381.55 | 354.55 | 335.05 |
| 12 |  KPT | KPTwin.smart | 448.05 | 437.25 | 410.05 | 382.95 | — | 328.75 |
| 13 | KPT | KPTwin.plus | 452.25 | 441.45 | 414.25 | 387.15 | — | 332.95 |
| 14 |  CSS | Hausarztversicherung Profit | 452.35 | 441.55 | 414.35 | 387.25 | 360.15 | 333.05 |
| 15 |  Assura | FeminaVita | 452.65 | 441.85 | 414.75 | 387.55 | 360.45 | 333.35 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for an adult aged 26 or over in St. Gallen, without accident cover, the cheapest health insurance premium is:
- 441.05 CHF a month with a 300 CHF deductible (Sympany, casamed hmo)
- 321.75 CHF a month with a 2'500 CHF deductible (Sympany, casamed hmo)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in St. Gallen for an adult aged 26 or over with a deductible of 300 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in St. Gallen is Sympany (casamed hmo) at 441.05 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 504.45 CHF a month.
How much does health insurance cost in St. Gallen in 2026 for an adult aged 26 or over?
For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, monthly premiums run from 441.05 CHF (Sympany, casamed hmo) to 617.25 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: 429.05 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in St. Gallen for an adult aged 26 or over without accident cover?
On the cheapest offer (Sympany, casamed hmo), the premium goes from 441.05 CHF a month with the 300 CHF deductible to 321.75 CHF with the 2'500 CHF deductible: 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in St. Gallen 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 504.45 CHF (Agrisano), family doctor / HMO 441.05 CHF (Sympany), flexible model 443.65 CHF (Sympany), telemedicine 444.65 CHF (Helsana).
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 446.20 CHF at Sympany (casamed hmo) gives 441.05 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.
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.