Assura-Basis PharMed — Region 3, St. Gallen
Region 3, St. Gallen: the PharMed model from Assura-Basis costs CHF 464.00 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 464.00, PharMed is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 722.40 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 464.00 | CHF 431.60 |
| 500 | CHF 452.40 | CHF 420.80 |
| 1'000 | CHF 423.20 | CHF 393.60 |
| 1'500 | CHF 394.00 | CHF 366.50 |
| 2'000 | CHF 364.90 | CHF 339.40 |
| 2'500 | CHF 335.70 | CHF 312.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 329.50 | CHF 306.50 |
| 500 | CHF 317.90 | CHF 295.70 |
| 1'000 | CHF 288.70 | CHF 268.50 |
| 1'500 | CHF 259.50 | CHF 241.40 |
| 2'000 | CHF 230.40 | CHF 214.30 |
| 2'500 | CHF 201.20 | CHF 187.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 97.60 | CHF 90.80 |
| 100 | CHF 91.80 | CHF 85.40 |
| 200 | CHF 86.00 | CHF 80.00 |
| 300 | CHF 80.10 | CHF 74.50 |
| 400 | CHF 74.30 | CHF 69.10 |
| 500 | CHF 68.50 | CHF 63.80 |
| 600 | CHF 62.60 | CHF 58.30 |
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 2
- 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.