PharMed or PreventoMed — Region 2, St. Gallen
Region 2, St. Gallen: with Assura-Basis, PharMed costs CHF 488.30 a month in 2026 and PreventoMed CHF 458.00, 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 363.60 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 488.30 | CHF 458.00 | CHF 363.60 |
| 500 | CHF 476.70 | CHF 446.40 | CHF 363.60 |
| 1'000 | CHF 447.50 | CHF 417.20 | CHF 363.60 |
| 1'500 | CHF 418.30 | CHF 388.00 | CHF 363.60 |
| 2'000 | CHF 389.20 | CHF 358.90 | CHF 363.60 |
| 2'500 | CHF 360.00 | CHF 329.70 | CHF 363.60 |
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 1
- 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.