# Health insurance premiums 2027 in St. Gallen (SG), for a child aged 0 to 18, deductible of 100 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [St. Gallen](https://praemiencheck.onedoc.ch/en/sg/st-gallen/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/) with a 100 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/), the cheapest monthly basic insurance premium is **103.80 CHF** with **Assura** (FeminaVita model) and the most expensive is 162.10 CHF with Groupe Mutuel – Philos (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (100 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 109.60 | 103.80 | 98.00 | 92.10 | 86.30 | 80.50 | 74.60 | +6.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 109.60 | 103.80 | 98.00 | 92.10 | 86.30 | 80.50 | 74.60 | +6.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 114.00 | 108.20 | 102.40 | 96.50 | 90.70 | 84.90 | 79.00 | +6.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 114.00 | 108.20 | 102.40 | 96.50 | 90.70 | 84.90 | 79.00 | +6.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 115.00 | 109.20 | 103.40 | 97.50 | 91.70 | — | 80.00 | +6.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 116.20 | 110.40 | 104.60 | 98.70 | 92.90 | 87.10 | 81.20 | +3.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 118.00 | 112.20 | 106.40 | 100.50 | 94.70 | 88.90 | 83.00 | +6.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 118.30 | 112.50 | 106.70 | 100.80 | 95.00 | 89.20 | 83.30 | +3.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 119.30 | 113.50 | 107.70 | 101.80 | 96.00 | 90.20 | 84.30 | New tariff 2027 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 119.80 | 114.70 | 109.70 | 104.60 | 99.50 | 92.30 | — | +5.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 121.00 | 115.20 | 109.40 | 103.50 | 97.70 | 91.90 | 86.00 | +3.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 122.40 | 116.60 | 110.80 | 104.90 | 99.10 | — | 87.40 | +7.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 124.30 | 118.50 | 112.70 | 106.80 | 101.00 | 95.20 | — | +1.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 125.20 | 119.40 | 113.60 | 107.90 | 101.90 | 96.10 | — | +5.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 126.20 | 120.80 | 115.50 | 110.00 | 104.70 | 99.40 | 93.90 | +4.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 126.20 | 120.80 | 115.50 | 110.00 | 104.70 | 99.40 | 93.90 | +4.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 127.50 | 121.70 | 115.90 | 110.00 | 104.20 | 98.40 | — | +1.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 129.20 | 123.40 | 117.60 | 111.70 | 105.90 | — | 94.20 | +9.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 129.20 | 123.40 | 117.60 | 111.70 | 105.90 | — | 94.20 | +8.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 130.75 | 124.95 | 119.10 | 113.25 | 107.45 | 101.60 | 95.75 | New tariff 2027 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 131.10 | 125.85 | 120.60 | 114.05 | 108.80 | 102.25 | 97.00 | +2.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 132.10 | 126.30 | 120.45 | 114.60 | 108.80 | 102.95 | 97.10 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 132.10 | 126.30 | 120.45 | 114.60 | 108.80 | 102.95 | 97.10 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 132.10 | 126.30 | 120.45 | 114.60 | 108.80 | 102.95 | 97.10 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 132.10 | 126.30 | 120.45 | 114.60 | 108.80 | 102.95 | 97.10 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 132.10 | 126.30 | 120.45 | 114.60 | 108.80 | 102.95 | 97.10 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.50 | 126.70 | 120.90 | 115.00 | 109.20 | 103.40 | 97.50 | +6.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 133.50 | 127.70 | 121.85 | 116.00 | 110.20 | 104.35 | 98.50 | +4.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.30 | 129.50 | 123.70 | 117.80 | 112.00 | — | 100.30 | +7.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.90 | 130.10 | 124.30 | 118.40 | 112.60 | 106.80 | 100.90 | +3.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 136.20 | 130.40 | 124.55 | 118.70 | 112.90 | 107.05 | 101.20 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 136.90 | 131.10 | 125.30 | — | 113.60 | — | 101.90 | +3.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.10 | 131.30 | 125.50 | 119.60 | 113.80 | 108.00 | 102.10 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.60 | 131.80 | 126.00 | 120.20 | 114.30 | 108.50 | — | +5.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 138.00 | 132.20 | 126.95 | 121.45 | 115.90 | 109.00 | 103.50 | +2.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 139.00 | 133.20 | 127.30 | 121.50 | 115.70 | 109.80 | 104.00 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 139.20 | 133.30 | 127.50 | 121.70 | 115.80 | 110.00 | 104.20 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 139.20 | 133.30 | 127.50 | 121.70 | 115.80 | 110.00 | 104.20 | +5.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 139.30 | 133.50 | 127.70 | — | 116.00 | — | 104.30 | +3.2 % |
| [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) | 139.50 | 133.70 | 127.90 | 122.00 | 116.20 | 110.40 | 104.50 | +0.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 139.70 | 133.80 | 128.00 | 122.20 | 116.30 | 110.50 | 104.70 | +7.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 140.00 | 134.20 | 128.40 | — | 116.70 | — | 105.00 | +3.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 140.30 | 134.50 | 128.70 | 122.80 | 117.00 | 111.20 | 105.30 | +0.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 140.80 | 135.00 | 129.10 | 123.30 | 117.50 | 111.60 | — | +2.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 140.10 | 135.10 | 130.10 | 125.00 | 120.30 | 115.00 | 110.00 | +2.6 % |
| [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) | 141.10 | 135.30 | 129.50 | 123.60 | 117.80 | 112.00 | 106.10 | +0.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 141.10 | 135.30 | 129.50 | 123.60 | 117.80 | 112.00 | 106.10 | +0.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 141.80 | 136.00 | 130.10 | 124.30 | 118.50 | 112.60 | 106.80 | +7.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 141.80 | 136.00 | 130.10 | 124.30 | 118.50 | 112.60 | 106.80 | +7.9 % |
| [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) | 141.90 | 136.10 | 130.30 | 124.40 | 118.60 | 112.80 | 106.90 | +6.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 141.90 | 136.10 | 130.30 | 124.40 | 118.60 | 112.80 | 106.90 | +6.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 142.70 | 136.90 | 131.10 | — | 119.40 | — | 107.70 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 142.90 | 137.10 | 131.30 | — | 119.60 | — | 107.90 | +3.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 143.50 | 137.70 | 131.90 | 126.00 | 120.20 | 114.40 | 108.50 | +6.9 % |
| [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) | 146.70 | 140.90 | 135.10 | 129.20 | 123.40 | 117.60 | 111.70 | +6.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 146.60 | 141.40 | 136.10 | 130.80 | 125.90 | 120.40 | 115.10 | +2.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 148.60 | 142.80 | 137.00 | 131.10 | 125.30 | 119.50 | 113.60 | +10.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 148.20 | 142.90 | 137.70 | 132.30 | 127.30 | 121.70 | 116.40 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 150.20 | 144.40 | 138.50 | 132.70 | 126.90 | 121.00 | 115.20 | +5.9 % |
| [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) | 150.30 | 144.50 | 138.70 | 132.80 | 127.00 | 121.20 | 115.30 | +10.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 150.30 | 144.50 | 138.70 | 132.80 | 127.00 | 121.20 | 115.30 | +10.1 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 150.80 | 145.10 | 141.80 | 133.40 | 127.50 | 121.70 | 115.80 | +2.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 152.50 | 146.70 | 140.90 | 135.00 | 129.20 | 123.40 | 117.50 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 152.50 | 146.70 | 140.90 | 135.00 | 129.20 | 123.40 | 117.50 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.10 | 148.20 | 142.40 | 136.60 | 130.70 | 124.90 | 119.10 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 155.00 | 149.20 | 143.40 | 137.50 | 131.70 | 125.90 | 120.00 | +0.6 % |
| [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) | 155.40 | 149.60 | 143.80 | 137.90 | 132.10 | 126.30 | 120.40 | +10.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 155.60 | 149.80 | 144.00 | — | 132.30 | — | 120.60 | +3.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 156.50 | 150.70 | 144.80 | 139.00 | 133.20 | 127.30 | 121.50 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 156.50 | 150.70 | 144.80 | 139.00 | 133.20 | 127.30 | 121.50 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 156.50 | 150.70 | 144.80 | 139.00 | 133.20 | 127.30 | 121.50 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 156.50 | 150.70 | 144.80 | 139.00 | 133.20 | 127.30 | 121.50 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 156.50 | 150.70 | 144.80 | 139.00 | 133.20 | 127.30 | 121.50 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 158.10 | 152.30 | 146.40 | 140.60 | 134.80 | 128.90 | 123.10 | +5.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 158.50 | 152.70 | 146.90 | 141.00 | 135.20 | 129.40 | 123.50 | +6.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 159.90 | 154.10 | 148.20 | 142.40 | 136.60 | 130.70 | 124.90 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 159.90 | 154.10 | 148.20 | 142.40 | 136.60 | 130.70 | 124.90 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 159.90 | 154.10 | 148.20 | 142.40 | 136.60 | 130.70 | 124.90 | +7.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 162.90 | 157.10 | 151.30 | 145.40 | 139.90 | 133.80 | 127.90 | +2.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 164.80 | 159.00 | 153.20 | 147.30 | 141.50 | 135.70 | 129.80 | +7.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 167.90 | 162.10 | 156.30 | 150.40 | 144.60 | 138.80 | 132.90 | +10.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 108.90 | — | 97.30 | — | 85.60 | — | 73.90 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 111.30 | — | 99.70 | — | 88.00 | — | 76.30 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 111.30 | — | 99.70 | — | 88.00 | — | 76.30 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 112.80 | — | 102.10 | 96.80 | 91.50 | 86.10 | 80.80 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 113.20 | — | 101.60 | — | 89.90 | — | 78.20 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 113.30 | — | — | 95.80 | — | — | 78.30 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 113.40 | — | 102.70 | 97.30 | 92.00 | 86.60 | 81.20 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 114.20 | — | 104.90 | — | 95.50 | — | 86.20 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 114.50 | — | — | 97.00 | — | — | 79.50 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 115.60 | — | 106.20 | — | 96.70 | — | 87.20 | — |
| [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 | 116.20 | — | — | — | — | 87.10 | — | — |
| [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 | 117.60 | — | — | — | — | 88.50 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 117.60 | — | — | — | — | 88.50 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 118.90 | — | — | — | — | 89.80 | — | — |
| [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 | 120.30 | — | — | — | — | 91.20 | — | — |
| [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) | 121.30 | — | 111.40 | — | 101.50 | — | 91.50 | — |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 121.90 | — | — | 105.30 | 99.80 | 94.20 | 88.60 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 122.70 | — | 112.70 | — | 102.70 | — | 92.60 | — |
| [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 | 123.00 | — | — | — | — | 93.90 | — | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 123.30 | — | 111.60 | 105.80 | 100.00 | 94.10 | 88.30 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 123.70 | — | 112.10 | — | 100.40 | — | 88.70 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 124.30 | — | — | — | — | 95.20 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.80 | — | — | 108.30 | — | — | 90.80 | — |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.30 | — | — | 110.80 | 105.00 | 99.15 | 93.30 | — |
| [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 | 128.40 | — | 118.00 | — | 107.50 | — | 96.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 131.80 | — | 128.40 | — | 124.90 | — | 114.70 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.20 | — | — | — | — | 106.10 | — | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 142.70 | — | 131.10 | — | 119.40 | — | 107.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 143.80 | — | 138.10 | — | 126.40 | — | 114.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 144.50 | — | 138.10 | — | 126.40 | — | 114.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 149.70 | — | 138.10 | — | 126.40 | — | 114.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 149.70 | — | 138.10 | — | 126.40 | — | 114.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 149.70 | — | 138.10 | — | 126.40 | — | 114.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 149.70 | — | 138.10 | — | 126.40 | — | 114.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 149.70 | — | 138.10 | — | 126.40 | — | 114.70 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 151.80 | — | 140.10 | — | 128.40 | — | 116.80 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 151.80 | — | 140.10 | — | 128.40 | — | 116.80 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 155.30 | — | 143.60 | — | 132.00 | — | 120.30 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 155.30 | — | 143.60 | — | 132.00 | — | 120.30 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 155.30 | — | 143.60 | — | 132.00 | — | 120.30 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 176.50 | — | 164.80 | — | 153.10 | — | 141.50 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in St. Gallen for a child aged 0 to 18 with a deductible of 100 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/), the cheapest offer in [St. Gallen](https://praemiencheck.onedoc.ch/en/sg/st-gallen/) is Assura (FeminaVita) at 103.80 CHF a month.

### How much does health insurance cost in St. Gallen in 2027 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/) with a deductible of 100 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/), monthly premiums run from 103.80 CHF (Assura, FeminaVita) to 162.10 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: 122.70 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in St. Gallen for a child aged 0 to 18 with accident cover?

On the cheapest offer (Assura, FeminaVita), the premium goes from 109.60 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-0/) to 74.60 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-600/): 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 St. Gallen 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 100 CHF and with accident cover, the cheapest premium per model is: standard model 126.70 CHF (Assura), family doctor / HMO 108.20 CHF (Assura), flexible model 103.80 CHF (Assura), telemedicine 112.50 CHF (CONCORDIA).

### Does a second or third child pay less in St. Gallen?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 12 of the 25 insurers present in St. Gallen file a reduced premium from a certain number of children insured with them, at a 100 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| sana24 | Managed Care | 133.30 CHF | 50.00 CHF from the 3rd child |
| Galenos | Managed Care | 133.20 CHF | 52.20 CHF from the 3rd child |
| Visana | Managed Care | 133.80 CHF | 52.60 CHF from the 3rd child |
| CONCORDIA | HMO | 110.40 CHF | 54.40 CHF from the 3rd child |
| Aquilana | SMARTMED | 114.70 CHF | 57.40 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 120.80 CHF | 60.40 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 133.70 CHF | 100.30 CHF from the 5th child |
| Assura | FeminaVita | 103.80 CHF | 102.20 CHF from the 4th child, 100.50 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 136.10 CHF | 102.10 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 142.80 CHF | 107.10 CHF from the 5th child |
| EGK | EGK-TelCare | 118.50 CHF | 107.90 CHF from the 3rd child |
| SLKK | SmartMed | 135.10 CHF | 121.10 CHF from the 3rd child |

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

### 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: St. Gallen 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 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/st-gallen/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in St. Gallen (SG): every situation: https://praemiencheck.onedoc.ch/en/sg/st-gallen/
- Premiums 2027 in St. Gallen (SG), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/
- Premiums 2027 in St. Gallen (SG), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/sg/st-gallen/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/sg/st-gallen/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/no-accident/deductible-100/
- Deductible Premiums 2027 in St. Gallen (SG), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-0/
- Deductible Premiums 2027 in St. Gallen (SG), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-200/
- Deductible Premiums 2027 in St. Gallen (SG), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-300/
- Deductible Premiums 2027 in St. Gallen (SG), child, deductible of 400 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-400/
- Deductible Premiums 2027 in St. Gallen (SG), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-500/
- Deductible Premiums 2027 in St. Gallen (SG), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/sg/st-gallen/child/with-accident/deductible-0/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `st-gallen` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-100` with `deductible-600` for another deductible. Markdown version: add `.md`.