PrimaCare or PrimaFlex — Region 3, St. Gallen
Region 3, St. Gallen: with Avenir, PrimaCare costs CHF 482.20 a month in 2026 and PrimaFlex CHF 474.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PrimaFlex is the cheaper of the two here: CHF 97.20 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaCare is a "Family doctor" model. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | PrimaCare | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 482.20 | CHF 474.10 | CHF 97.20 |
| 500 | CHF 470.70 | CHF 463.10 | CHF 91.20 |
| 1'000 | CHF 441.70 | CHF 435.60 | CHF 73.20 |
| 1'500 | CHF 412.20 | CHF 407.60 | CHF 55.20 |
| 2'000 | CHF 383.20 | CHF 380.00 | CHF 38.40 |
| 2'500 | CHF 354.20 | CHF 352.50 | CHF 20.40 |
The comparison, region by region
- PrimaCare or PrimaFlex?
- 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.