Assura-Basis PharMed — Region 1, St. Gallen
Region 1, St. Gallen: the PharMed model from Assura-Basis costs CHF 511.80 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 511.80, PharMed is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 999.60 less per year than Assura-Basis's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 511.80 | CHF 476.00 |
| 500 | CHF 500.20 | CHF 465.20 |
| 1'000 | CHF 471.00 | CHF 438.10 |
| 1'500 | CHF 441.80 | CHF 410.90 |
| 2'000 | CHF 412.70 | CHF 383.90 |
| 2'500 | CHF 383.50 | CHF 356.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.50 | CHF 338.10 |
| 500 | CHF 351.90 | CHF 327.30 |
| 1'000 | CHF 322.70 | CHF 300.20 |
| 1'500 | CHF 293.50 | CHF 273.00 |
| 2'000 | CHF 264.40 | CHF 245.90 |
| 2'500 | CHF 235.20 | CHF 218.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 107.50 | CHF 100.00 |
| 100 | CHF 101.70 | CHF 94.60 |
| 200 | CHF 95.90 | CHF 89.20 |
| 300 | CHF 90.00 | CHF 83.70 |
| 400 | CHF 84.20 | CHF 78.40 |
| 500 | CHF 78.40 | CHF 73.00 |
| 600 | CHF 72.50 | CHF 67.50 |
The price, region by region
- 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
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.