Key points at a glance
This page is written for residents of Kaltbrunn, 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 Kaltbrunn, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 1 of the canton of St. Gallen), never on your health: for basic insurance, every insurer must accept you. Kaltbrunn has roughly 4’839 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Kaltbrunn, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Gommiswald (3 km), Uznach (4 km), Benken (4 km).
Kaltbrunn at a glance: your local context
Kaltbrunn, a municipality of roughly 4’839 residents in the canton of St. Gallen, has its own profile when it comes to health insurance. Kaltbrunn 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 4’839
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 8722
- Federal municipality number (BFS): 3313
Health insurance and supplementary cover around Kaltbrunn: compare neighbouring municipalities
Around Kaltbrunn, 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 Gommiswald — 2.9 km away
- Health insurance and supplementary cover in Uznach — 3.8 km away
- Health insurance and supplementary cover in Benken — 3.9 km away
- Health insurance and supplementary cover in Schmerikon — 6.4 km away
- Health insurance and supplementary cover in Schänis — 6.5 km away
- Health insurance and supplementary cover in Tuggen — 6.8 km away
- Health insurance and supplementary cover in Reichenburg — 6.9 km away
- Health insurance and supplementary cover in Eschenbach — 7.7 km away
- Health insurance and supplementary cover in Ebnat-Kappel — 8.6 km away
- Health insurance and supplementary cover in Weesen — 9.4 km away
Health insurance premiums 2026 in Kaltbrunn: the real numbers
The range in Kaltbrunn 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 | — |
That is exactly what our comparison does: it ranks the 79 insurers active in Kaltbrunn from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Kaltbrunn →
Basic insurance in Kaltbrunn: choosing insurer, deductible and model
You steer your premium in Kaltbrunn 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 Kaltbrunn 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 Kaltbrunn
- 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 Kaltbrunn →
How we work for Kaltbrunn
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 Kaltbrunn 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 Kaltbrunn (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Kaltbrunn?
In Kaltbrunn (postal code 8722), 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 Kaltbrunn have the same premiums?
Not necessarily. Kaltbrunn and nearby municipalities such as Gommiswald (3 km), Uznach (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 Kaltbrunn?
No, it is for orientation in Kaltbrunn. 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 "Health insurance and supplementary cover" in Kaltbrunn with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Kaltbrunn follow. The comparison is free, and no offer is binding.
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.