Aquilana SMARTMED — Region 2, St. Gallen
Region 2, St. Gallen: the SMARTMED model from Aquilana costs CHF 457.10 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 457.10, SMARTMED is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 819.60 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 457.10 | CHF 425.20 |
| 500 | CHF 447.10 | CHF 415.80 |
| 1'000 | CHF 421.70 | CHF 392.20 |
| 1'500 | CHF 396.30 | CHF 368.70 |
| 2'000 | CHF 370.90 | CHF 345.00 |
| 2'500 | CHF 337.60 | CHF 314.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 338.30 | CHF 314.60 |
| 500 | CHF 328.20 | CHF 305.20 |
| 1'000 | CHF 302.80 | CHF 281.70 |
| 1'500 | CHF 277.50 | CHF 258.10 |
| 2'000 | CHF 252.10 | CHF 234.50 |
| 2'500 | CHF 226.70 | CHF 210.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.20 | CHF 97.90 |
| 100 | CHF 100.20 | CHF 93.20 |
| 200 | CHF 95.10 | CHF 88.50 |
| 300 | CHF 90.10 | CHF 83.80 |
| 400 | CHF 85.00 | CHF 79.00 |
| 500 | CHF 78.10 | CHF 72.60 |
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 1
- 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.