FeminaVita or PharMed — Region 3, St. Gallen
Region 3, St. Gallen: with Assura-Basis, FeminaVita costs CHF 435.10 a month in 2026 and PharMed CHF 464.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FeminaVita is the cheaper of the two here: CHF 346.80 saved per year against PharMed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FeminaVita and PharMed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- FeminaVita
Family doctor
You pick a family doctor and always go to them first.
- PharMed
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FeminaVita | PharMed | Gap per year |
|---|---|---|---|
| 300 | CHF 435.10 | CHF 464.00 | CHF 346.80 |
| 500 | CHF 423.50 | CHF 452.40 | CHF 346.80 |
| 1'000 | CHF 394.30 | CHF 423.20 | CHF 346.80 |
| 1'500 | CHF 365.10 | CHF 394.00 | CHF 346.80 |
| 2'000 | CHF 336.00 | CHF 364.90 | CHF 346.80 |
| 2'500 | CHF 306.80 | CHF 335.70 | CHF 346.80 |
The comparison, region by region
- FeminaVita or PharMed?
- Aargau
- 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
- St. Gallen — Region 1
- St. Gallen — Region 2
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- 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.