PharMed or Qualimed — Region 3, St. Gallen
Region 3, St. Gallen: with Assura-Basis, PharMed costs CHF 464.00 a month in 2026 and Qualimed CHF 450.90, 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 157.20 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 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 464.00 | CHF 450.90 | CHF 157.20 |
| 500 | CHF 452.40 | CHF 439.30 | CHF 157.20 |
| 1'000 | CHF 423.20 | CHF 410.10 | CHF 157.20 |
| 1'500 | CHF 394.00 | CHF 380.90 | CHF 157.20 |
| 2'000 | CHF 364.90 | CHF 351.80 | CHF 157.20 |
| 2'500 | CHF 335.70 | CHF 322.60 | CHF 157.20 |
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 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.