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Health insurance in the canton of St. Gallen: 2026 premiums compared

Official basic insurance premiums — premium region St. Gallen

CHF 474.50
Cheapest premium (CHF 300 deductible)
CHF 528.56
Average (CHF 300 deductible)
CHF 346.20
Cheapest premium (CHF 2,500 deductible)
110
Tariffs compared

St. Gallen is the most populous canton of eastern Switzerland and is divided into two premium regions: the city of St. Gallen with its agglomeration, and the remaining areas from the Rhine Valley through the Toggenburg to the Sarganserland. The hospital landscape has been extensively restructured in recent years; several regional hospitals were closed or repurposed, while the Cantonal Hospital of St. Gallen was strengthened as the largest central hospital in eastern Switzerland.

The cheapest health insurers in the canton of St. Gallen

SWICA
FAVORIT MULTICHOICE
Family doctor model
CHF 477.75

Adult (born 1990), CHF 300 deductible, with accident cover, premium region St. Gallen — official FOPH premiums 2026 · 07.09.2026

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Frequently asked questions — health insurance in the canton of St. Gallen

How many premium regions does the canton of St. Gallen have?▼
St. Gallen is divided into two premium regions: region 1 covers the city of St. Gallen and its surroundings, region 2 the remaining municipalities from the Rhine Valley to the Sarganserland. The same insurer can therefore cost a different amount depending on your municipality — what counts is the premium region of your place of residence.
What does the hospital restructuring mean for insured persons in St. Gallen?▼
With the concentration on fewer sites, journeys for inpatient treatment are becoming longer in some regions. Care via the basic insurance hospital list remains guaranteed; if you want free hospital choice throughout Switzerland, you can cover this with supplementary insurance. With savings models, also check whether network practices are represented in your region.
Until when can I switch health insurer in the canton of St. Gallen?▼
Your cancellation of basic insurance must reach your current insurer by 30 November; the switch takes effect on 1 January. The insurance year ends on 31 December. When comparing, check your municipality — with two premium regions, it affects the tariff.

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