PharMed or PreventoMed — Region 3, St. Gallen
Region 3, St. Gallen: with Assura-Basis, PharMed costs CHF 464.00 a month in 2026 and PreventoMed CHF 435.10, 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 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
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 464.00 | CHF 435.10 | CHF 346.80 |
| 500 | CHF 452.40 | CHF 423.50 | CHF 346.80 |
| 1'000 | CHF 423.20 | CHF 394.30 | CHF 346.80 |
| 1'500 | CHF 394.00 | CHF 365.10 | CHF 346.80 |
| 2'000 | CHF 364.90 | CHF 336.00 | CHF 346.80 |
| 2'500 | CHF 335.70 | CHF 306.80 | CHF 346.80 |
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 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.