Aquilana SMARTMED — Region 1, St. Gallen
Region 1, St. Gallen: the SMARTMED model from Aquilana costs CHF 493.10 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 493.10, SMARTMED is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 883.20 less per year than Aquilana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 493.10 | CHF 458.60 |
| 500 | CHF 483.10 | CHF 449.30 |
| 1'000 | CHF 457.70 | CHF 425.70 |
| 1'500 | CHF 432.40 | CHF 402.10 |
| 2'000 | CHF 407.00 | CHF 378.60 |
| 2'500 | CHF 372.80 | CHF 346.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.00 | CHF 339.50 |
| 500 | CHF 355.00 | CHF 330.20 |
| 1'000 | CHF 329.60 | CHF 306.50 |
| 1'500 | CHF 304.20 | CHF 282.90 |
| 2'000 | CHF 278.80 | CHF 259.30 |
| 2'500 | CHF 247.50 | CHF 230.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.50 | CHF 105.50 |
| 100 | CHF 108.50 | CHF 101.00 |
| 200 | CHF 103.50 | CHF 96.30 |
| 300 | CHF 98.40 | CHF 91.60 |
| 400 | CHF 93.30 | CHF 86.90 |
| 500 | CHF 86.20 | CHF 80.30 |
The price, region by region
- 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
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.