PharMed or Qualimed — Region 2, St. Gallen
Region 2, St. Gallen: with Assura-Basis, PharMed costs CHF 488.30 a month in 2026 and Qualimed CHF 474.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Qualimed is the cheaper of the two here: CHF 165.60 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 Qualimed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | PharMed | Qualimed | Gap per year |
|---|---|---|---|
| 300 | CHF 488.30 | CHF 474.50 | CHF 165.60 |
| 500 | CHF 476.70 | CHF 462.90 | CHF 165.60 |
| 1'000 | CHF 447.50 | CHF 433.70 | CHF 165.60 |
| 1'500 | CHF 418.30 | CHF 404.50 | CHF 165.60 |
| 2'000 | CHF 389.20 | CHF 375.40 | CHF 165.60 |
| 2'500 | CHF 360.00 | CHF 346.20 | CHF 165.60 |
The comparison, region by region
- PharMed or Qualimed?
- 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.