Supplementary insurance (LCA): comparison in Flums

Key points at a glance

This is about supplementary insurance (LCA) for Flums: 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 Flums (postal code 8890), a municipality of roughly 4’856 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 Flums and a nearby municipality (Walenstadt (4 km), Mels (7 km), Quarten (8 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.

Flums at a glance: your local context

Flums, a municipality of roughly 4’856 residents in the canton of St. Gallen, brings its own local context to "Comparing supplementary (LCA/VVG) 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

Comparing supplementary (LCA/VVG) insurance 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:

Supplementary insurance (LCA) in Flums: what matters

With supplementary insurance, freedom of contract applies: each insurer sets its own benefits, rates and conditions. In Flums, two equally priced contracts can protect you completely differently — for example the hospital ward (private or semi-private), the dentist, complementary medicine, vision aids or maternity. The right yardstick is your real need, cover by cover.

Two ground rules: first, supplementary insurance is not compulsory — it can be signed or cancelled separately from basic insurance. Second, the provider may check your health and set exclusions or decline; those who sign up young and healthy and answer the health questions precisely secure the best terms.

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 Flums →

How we work for Flums

For "Comparing supplementary (LCA/VVG) insurance" in Flums we work in three stages: an inventory of your contracts and dates (canton of St. Gallen); an analysis of cover gaps, over-insurance and overlaps; then costed scenarios as a basis for your decision. It is not about more insurance, but about the right balance of premium, deductible and benefit. All free and without obligation — as an educational complement, not a substitute for individual professional advice.

FAQ — insurance in Flums (practical guidance, not legal advice)

Is "Comparing supplementary (LCA/VVG) insurance" also covered for the area around Flums?

Yes. The neighbouring municipalities of Flums, such as Walenstadt (4 km), Mels (7 km), each have their own page on "Comparing supplementary (LCA/VVG) 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 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 "Comparing supplementary (LCA/VVG) insurance" 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.

Written and verified by the Assur-IA editorial team (Vanguard Advice SA) · Last updated: 14 May 2026

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