Assura-Basis PharMed — Region 2, St. Gallen
Region 2, St. Gallen: the PharMed model from Assura-Basis costs CHF 488.30 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 488.30, PharMed is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 760.80 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 488.30 | CHF 454.20 |
| 500 | CHF 476.70 | CHF 443.40 |
| 1'000 | CHF 447.50 | CHF 416.20 |
| 1'500 | CHF 418.30 | CHF 389.10 |
| 2'000 | CHF 389.20 | CHF 362.00 |
| 2'500 | CHF 360.00 | CHF 334.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 346.80 | CHF 322.60 |
| 500 | CHF 335.20 | CHF 311.80 |
| 1'000 | CHF 306.00 | CHF 284.60 |
| 1'500 | CHF 276.80 | CHF 257.50 |
| 2'000 | CHF 247.70 | CHF 230.40 |
| 2'500 | CHF 218.50 | CHF 203.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 102.60 | CHF 95.50 |
| 100 | CHF 96.80 | CHF 90.10 |
| 200 | CHF 91.00 | CHF 84.70 |
| 300 | CHF 85.10 | CHF 79.20 |
| 400 | CHF 79.30 | CHF 73.80 |
| 500 | CHF 73.50 | CHF 68.40 |
| 600 | CHF 67.60 | CHF 62.90 |
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 1
- 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.