Key points at a glance
This is about supplementary insurance (LCA) for Kaltbrunn: 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 Kaltbrunn (postal code 8722), a municipality of roughly 4’839 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 Kaltbrunn and a nearby municipality (Gommiswald (3 km), Uznach (4 km), Benken (4 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Kaltbrunn at a glance: your local context
Kaltbrunn, a municipality of roughly 4’839 residents in the canton of St. Gallen, brings its own local context to "Maternity and birth (supplementary 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
Maternity and birth (supplementary insurance) 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:
- Maternity and birth (supplementary insurance) in Gommiswald — 2.9 km away
- Maternity and birth (supplementary insurance) in Uznach — 3.8 km away
- Maternity and birth (supplementary insurance) in Benken — 3.9 km away
- Maternity and birth (supplementary insurance) in Schmerikon — 6.4 km away
- Maternity and birth (supplementary insurance) in Schänis — 6.5 km away
- Maternity and birth (supplementary insurance) in Tuggen — 6.8 km away
- Maternity and birth (supplementary insurance) in Reichenburg — 6.9 km away
- Maternity and birth (supplementary insurance) in Eschenbach — 7.7 km away
- Maternity and birth (supplementary insurance) in Ebnat-Kappel — 8.6 km away
- Maternity and birth (supplementary insurance) in Weesen — 9.4 km away
Supplementary insurance (LCA) in Kaltbrunn: 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 Kaltbrunn — 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 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 Kaltbrunn →
How we work for Kaltbrunn
Our approach for "Maternity and birth (supplementary insurance)" in Kaltbrunn: (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 Kaltbrunn (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Kaltbrunn?
Yes. The neighbouring municipalities of Kaltbrunn, such as Gommiswald (3 km), Uznach (4 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 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 "Maternity and birth (supplementary insurance)" 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.