CASAMED or SMARTMED — Region 3, St. Gallen
Region 3, St. Gallen: with Aquilana, CASAMED costs CHF 468.40 a month in 2026 and SMARTMED CHF 447.80, 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 247.20 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 468.40 | CHF 447.80 | CHF 247.20 |
| 500 | CHF 456.80 | CHF 437.70 | CHF 229.20 |
| 1'000 | CHF 427.60 | CHF 412.30 | CHF 183.60 |
| 1'500 | CHF 398.50 | CHF 387.00 | CHF 138.00 |
| 2'000 | CHF 369.30 | CHF 361.60 | CHF 92.40 |
| 2'500 | CHF 340.10 | CHF 328.50 | CHF 139.20 |
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 1
- St. Gallen — Region 2
- 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.