CareMed or TelFirst — Region 3, St. Gallen
Region 3, St. Gallen: with Atupri, CareMed costs CHF 465.10 a month in 2026 and TelFirst CHF 470.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CareMed is the cheaper of the two here: CHF 61.20 saved per year against TelFirst, 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. TelFirst is a "Telemedicine and others" model.
The price at every deductible
| Deductible | CareMed | TelFirst | Gap per year |
|---|---|---|---|
| 300 | CHF 465.10 | CHF 470.20 | CHF 61.20 |
| 500 | CHF 453.50 | CHF 458.60 | CHF 61.20 |
| 1'000 | CHF 424.30 | CHF 429.40 | CHF 61.20 |
| 1'500 | CHF 395.10 | CHF 400.20 | CHF 61.20 |
| 2'000 | CHF 366.00 | CHF 371.10 | CHF 61.20 |
| 2'500 | CHF 336.80 | CHF 341.90 | CHF 61.20 |
The comparison, region by region
- CareMed or TelFirst?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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
- Nidwalden
- Obwalden
- 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
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.