CareMed or FlexCare — Region 1, St. Gallen
Region 1, St. Gallen: with Atupri, CareMed costs CHF 512.80 a month in 2026 and FlexCare CHF 503.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FlexCare is the cheaper of the two here: CHF 114.00 saved per year against CareMed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CareMed is a "Family doctor" model. FlexCare is a "Telemedicine and others" model.
The price at every deductible
| Deductible | CareMed | FlexCare | Gap per year |
|---|---|---|---|
| 300 | CHF 512.80 | CHF 503.30 | CHF 114.00 |
| 500 | CHF 501.20 | CHF 491.70 | CHF 114.00 |
| 1'000 | CHF 472.00 | CHF 462.50 | CHF 114.00 |
| 1'500 | CHF 442.80 | CHF 433.30 | CHF 114.00 |
| 2'000 | CHF 413.70 | CHF 404.20 | CHF 114.00 |
| 2'500 | CHF 384.50 | CHF 375.00 | CHF 114.00 |
The comparison, region by region
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.