Key points at a glance
This page is written for residents of Flums, 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 Flums, 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 (Flums 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. Flums has roughly 4’856 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Flums, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Walenstadt (4 km), Mels (7 km), Quarten (8 km).
Flums at a glance: your local context
Flums, a municipality of roughly 4’856 residents in the canton of St. Gallen, has its own profile when it comes to health insurance. Flums lies in premium region 1 of the canton of St. Gallen (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 4’856
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 8890
- Federal municipality number (BFS): 3292
Health insurance and supplementary cover around Flums: compare neighbouring municipalities
Around Flums, 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 Walenstadt — 4.0 km away
- Health insurance and supplementary cover in Mels — 7.3 km away
- Health insurance and supplementary cover in Quarten — 8.4 km away
- Health insurance and supplementary cover in Sargans — 8.8 km away
- Health insurance and supplementary cover in Wartau — 10.6 km away
- Health insurance and supplementary cover in Wildhaus-Alt Sankt Johann — 11.1 km away
- Health insurance and supplementary cover in Sevelen — 11.2 km away
- Health insurance and supplementary cover in Vilters-Wangs — 11.7 km away
- Health insurance and supplementary cover in Buchs — 12.6 km away
- Health insurance and supplementary cover in Grabs — 12.9 km away
Health insurance premiums 2026 in Flums: the real numbers
In Flums, 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 | — |
That is exactly what our comparison does: it ranks the 79 insurers active in Flums from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Flums: choosing insurer, deductible and model
You steer your premium in Flums 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 Flums 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 Flums
- 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 Flums →
How we work for Flums
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 Flums 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 Flums (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Flums?
In Flums (postal code 8890), 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 Flums have the same premiums?
Not necessarily. Flums and nearby municipalities such as Walenstadt (4 km), Mels (7 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 Flums?
No. It explains the insurance and tax concepts for residents of Flums (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 Flums with no obligation?
Of course. The starting point is your situation in Flums; 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?
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.