Key points at a glance
This page is written for residents of Andwil, in the canton of St. Gallen, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Andwil, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Andwil belongs to region 1 in the canton of St. Gallen) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Andwil has roughly 2’014 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Andwil, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Waldkirch (3 km), Hauptwil-Gottshaus (3 km), Gossau (4 km).
Andwil at a glance: your local context
Andwil, a municipality of roughly 2’014 residents in the canton of St. Gallen, has its own profile when it comes to health insurance. For health insurance premiums, Andwil belongs to FOPH premium region 1 of the canton of St. Gallen. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 2’014
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 9204
- Federal municipality number (BFS): 3441
Health insurance and supplementary cover around Andwil: compare neighbouring municipalities
Living or working near Andwil? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Waldkirch — 2.9 km away
- Health insurance and supplementary cover in Hauptwil-Gottshaus — 2.9 km away
- Health insurance and supplementary cover in Gossau — 3.6 km away
- Health insurance and supplementary cover in Gaiserwald — 3.7 km away
- Health insurance and supplementary cover in Herisau — 6.2 km away
- Health insurance and supplementary cover in Niederbüren — 6.7 km away
- Health insurance and supplementary cover in Häggenschwil — 7.0 km away
- Health insurance and supplementary cover in Flawil — 7.4 km away
- Health insurance and supplementary cover in Saint-Gall — 7.5 km away
- Health insurance and supplementary cover in Bischofszell — 7.5 km away
Health insurance premiums 2026 in Andwil: the real numbers
The range in Andwil is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 480 to 666 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’235 francs a year, without giving anything up. The lowest adult premium there comes with the "family-doctor (Hausarzt)" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 480 – 666 CHF | from 351 CHF |
| Young adults (19–25) | 339 – 543 CHF | from 211 CHF |
| Children (0–18) | 35 – 141 CHF | — |
Our comparison tool does this work for you: the 79 insurers available for Andwil are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Andwil: choosing insurer, deductible and model
You steer your premium in Andwil with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Andwil starts as low as 351 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of St. Gallen: the entitlement goes surprisingly often unclaimed.
Checklist for Andwil
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of St. Gallen.
Free premium comparison for Andwil →
How we work for Andwil
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of St. Gallen. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Andwil this difference is measurable: 480–666 francs a month for adults, i.e. up to 2’235 francs a year across 79 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Andwil (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Andwil?
In Andwil (postal code 9204), the 2026 adult basic-insurance premium ranges from 480 to 666 francs a month depending on the insurer (deductible 300), from 339 francs for young adults and from 35 francs for children. For identical cover, the difference reaches up to 2’235 francs a year (FOPH premium region 1 of the canton of St. Gallen). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Andwil have the same premiums?
Not necessarily. Andwil and nearby municipalities such as Waldkirch (3 km), Hauptwil-Gottshaus (3 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Andwil?
No. It explains the insurance and tax concepts for residents of Andwil (canton of St. Gallen). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Andwil with no obligation?
Of course. The starting point is your situation in Andwil; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.