Key points at a glance
Living in Flawil (canton of St. Gallen) and want to stay on top of your health insurance? Here are the essentials: compulsory basic insurance (LAMal) covers exactly the same benefits at every insurer, so in Flawil you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region (Flawil 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. Flawil has roughly 10’520 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Flawil, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Gossau (4 km), Degersheim (4 km), Oberbüren (5 km).
Flawil at a glance: your local context
Flawil, a municipality of roughly 10’520 residents in the canton of St. Gallen, has its own profile when it comes to health insurance. For health insurance premiums, Flawil 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 10’520
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 9230
- Federal municipality number (BFS): 3402
Health insurance and supplementary cover around Flawil: compare neighbouring municipalities
Around Flawil, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Gossau — 4.1 km away
- Health insurance and supplementary cover in Degersheim — 4.3 km away
- Health insurance and supplementary cover in Oberbüren — 5.5 km away
- Health insurance and supplementary cover in Oberuzwil — 6.2 km away
- Health insurance and supplementary cover in Herisau — 6.5 km away
- Health insurance and supplementary cover in Niederbüren — 6.8 km away
- Health insurance and supplementary cover in Uzwil — 6.9 km away
- Health insurance and supplementary cover in Schwellbrunn — 7.0 km away
- Health insurance and supplementary cover in Andwil — 7.4 km away
- Health insurance and supplementary cover in Waldstatt — 8.5 km away
Health insurance premiums 2026 in Flawil: the real numbers
In Flawil, an adult with a 300 CHF deductible pays between 480 and 666 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’235 francs a year. 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 Flawil are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Flawil: choosing insurer, deductible and model
Three decisions drive your premium in Flawil. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Flawil starts as low as 351 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of St. Gallen — many households leave this reduction unused.
Checklist for Flawil
- 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 Flawil →
How we work for Flawil
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of St. Gallen. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Flawil 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. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Flawil (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Flawil?
In Flawil (postal code 9230), 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 Flawil have the same premiums?
Not necessarily. Flawil and nearby municipalities such as Gossau (4 km), Degersheim (4 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 Flawil?
No. It explains the insurance and tax concepts for residents of Flawil (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 Flawil with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Flawil follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our 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.