PharMed or PreventoMed — Region 1, St. Gallen
Region 1, St. Gallen: with Assura-Basis, PharMed costs CHF 511.80 a month in 2026 and PreventoMed CHF 492.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PreventoMed is the cheaper of the two here: CHF 235.20 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
PharMed and PreventoMed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- PharMed
Family doctor
You pick a family doctor and always go to them first.
- PreventoMed
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | PharMed | PreventoMed | Gap per year |
|---|---|---|---|
| 300 | CHF 511.80 | CHF 492.20 | CHF 235.20 |
| 500 | CHF 500.20 | CHF 480.60 | CHF 235.20 |
| 1'000 | CHF 471.00 | CHF 451.40 | CHF 235.20 |
| 1'500 | CHF 441.80 | CHF 422.20 | CHF 235.20 |
| 2'000 | CHF 412.70 | CHF 393.10 | CHF 235.20 |
| 2'500 | CHF 383.50 | CHF 363.90 | CHF 235.20 |
The comparison, region by region
- PharMed or PreventoMed?
- 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.