Aquilana SMARTMED — Region 3, St. Gallen
Region 3, St. Gallen: the SMARTMED model from Aquilana costs CHF 447.80 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 447.80, SMARTMED is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 802.80 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 447.80 | CHF 416.50 |
| 500 | CHF 437.70 | CHF 407.10 |
| 1'000 | CHF 412.30 | CHF 383.50 |
| 1'500 | CHF 387.00 | CHF 360.00 |
| 2'000 | CHF 361.60 | CHF 336.40 |
| 2'500 | CHF 328.50 | CHF 305.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 331.40 | CHF 308.30 |
| 500 | CHF 321.30 | CHF 298.90 |
| 1'000 | CHF 295.90 | CHF 275.20 |
| 1'500 | CHF 270.60 | CHF 251.70 |
| 2'000 | CHF 245.20 | CHF 228.10 |
| 2'500 | CHF 219.80 | CHF 204.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.10 | CHF 95.90 |
| 100 | CHF 98.00 | CHF 91.20 |
| 200 | CHF 93.00 | CHF 86.50 |
| 300 | CHF 87.90 | CHF 81.80 |
| 400 | CHF 82.80 | CHF 77.00 |
| 500 | CHF 76.00 | CHF 70.70 |
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 2
- 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.