CASAMED or SMARTMED — Region 1, St. Gallen
Region 1, St. Gallen: with Aquilana, CASAMED costs CHF 515.70 a month in 2026 and SMARTMED CHF 493.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SMARTMED is the cheaper of the two here: CHF 271.20 saved per year against CASAMED, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CASAMED is a "Family doctor" model. SMARTMED is a "Telemedicine and others" model.
The price at every deductible
| Deductible | CASAMED | SMARTMED | Gap per year |
|---|---|---|---|
| 300 | CHF 515.70 | CHF 493.10 | CHF 271.20 |
| 500 | CHF 504.10 | CHF 483.10 | CHF 252.00 |
| 1'000 | CHF 474.90 | CHF 457.70 | CHF 206.40 |
| 1'500 | CHF 445.90 | CHF 432.40 | CHF 162.00 |
| 2'000 | CHF 416.60 | CHF 407.00 | CHF 115.20 |
| 2'500 | CHF 387.40 | CHF 372.80 | CHF 175.20 |
The comparison, region by region
- CASAMED or SMARTMED?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.