Key points at a glance
This is about supplementary insurance (LCA) for Ebnat-Kappel: the optional cover that goes beyond basic insurance — for example the private or semi-private hospital ward, dental costs, complementary medicine, vision aids, maternity and preventive care.
In Ebnat-Kappel (postal code 9642), a municipality of roughly 5’031 residents in the canton of St. Gallen, one rule stands out: unlike basic insurance, supplementary cover is a FREE market. Benefits, prices and conditions vary widely from one insurer to the next. Compare according to your actual needs — and sign up while young and healthy, because the insurer is allowed to ask health questions. Commuting between Ebnat-Kappel and a nearby municipality (Wattwil (5 km), Hemberg (6 km), Gommiswald (6 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Ebnat-Kappel at a glance: your local context
Ebnat-Kappel, a municipality of roughly 5’031 residents in the canton of St. Gallen, brings its own local context to "Maternity and birth (supplementary insurance)". For health insurance premiums, Ebnat-Kappel 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 5’031
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 9642
- Federal municipality number (BFS): 3352
Maternity and birth (supplementary insurance) around Ebnat-Kappel: compare neighbouring municipalities
Around Ebnat-Kappel, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Maternity and birth (supplementary insurance) in Wattwil — 4.7 km away
- Maternity and birth (supplementary insurance) in Hemberg — 5.7 km away
- Maternity and birth (supplementary insurance) in Gommiswald — 6.3 km away
- Maternity and birth (supplementary insurance) in Lichtensteig — 6.7 km away
- Maternity and birth (supplementary insurance) in Neckertal — 7.8 km away
- Maternity and birth (supplementary insurance) in Nesslau — 8.1 km away
- Maternity and birth (supplementary insurance) in Kaltbrunn — 8.6 km away
- Maternity and birth (supplementary insurance) in Oberhelfenschwil — 9.8 km away
- Maternity and birth (supplementary insurance) in Schönengrund — 10.5 km away
- Maternity and birth (supplementary insurance) in Bütschwil-Ganterschwil — 10.6 km away
Supplementary insurance (LCA) in Ebnat-Kappel: what matters
Unlike basic insurance, supplementary cover is a free contractual product: each insurer defines its own benefits, premiums and conditions. Two policies at the same price can cover very differently in Ebnat-Kappel — for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses or maternity. So compare benefit by benefit against your actual needs, not just on price.
Two things to know: supplementary insurance is optional and can be taken out or cancelled independently of basic insurance. And the insurer may — unlike under the LAMal — ask health questions, add exclusions or reject an application. So sign up while young and healthy, and answer the health questions truthfully (otherwise you risk losing benefits).
Check before you sign
- Your real priorities: hospital, dental, complementary medicine, glasses, maternity?
- Annual limits, waiting periods and exclusions of each benefit.
- Avoid double cover (e.g. with employer or credit-card benefits).
- How the premium develops with age, and the cancellation terms.
Compare supplementary insurance for Ebnat-Kappel →
How we work for Ebnat-Kappel
Our approach for "Maternity and birth (supplementary insurance)" in Ebnat-Kappel: (1) list your contracts and deadlines in the canton of St. Gallen; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Ebnat-Kappel (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Ebnat-Kappel?
Yes. The neighbouring municipalities of Ebnat-Kappel, such as Wattwil (5 km), Hemberg (6 km), each have their own page on "Maternity and birth (supplementary insurance)" — handy when you compare several places to live in the canton of St. Gallen or a move is coming up.
Does this page replace personal advice in Ebnat-Kappel?
No, it is for orientation in Ebnat-Kappel. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of St. Gallen.
Can I compare "Maternity and birth (supplementary insurance)" in Ebnat-Kappel with no obligation?
Of course. The starting point is your situation in Ebnat-Kappel; 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
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.