Médecin de famille or PharMed — Region 1, St. Gallen
Region 1, St. Gallen: with Assura-Basis, Médecin de famille costs CHF 529.70 a month in 2026 and PharMed CHF 511.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PharMed is the cheaper of the two here: CHF 214.80 saved per year against Médecin de famille, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Médecin de famille and PharMed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Médecin de famille
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 | Médecin de famille | PharMed | Gap per year |
|---|---|---|---|
| 300 | CHF 529.70 | CHF 511.80 | CHF 214.80 |
| 500 | CHF 518.10 | CHF 500.20 | CHF 214.80 |
| 1'000 | CHF 488.90 | CHF 471.00 | CHF 214.80 |
| 1'500 | CHF 459.70 | CHF 441.80 | CHF 214.80 |
| 2'000 | CHF 430.60 | CHF 412.70 | CHF 214.80 |
| 2'500 | CHF 401.40 | CHF 383.50 | CHF 214.80 |
The comparison, region by region
- Médecin de famille 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 2
- St. Gallen — Region 3
- 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.