Avenir PrimaCare — Region 1, St. Gallen
Region 1, St. Gallen: the PrimaCare model from Avenir costs CHF 513.00 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 513.00, PrimaCare is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 721.20 less per year than Avenir'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 513.00 | CHF 477.10 |
| 500 | CHF 501.50 | CHF 466.40 |
| 1'000 | CHF 472.50 | CHF 439.40 |
| 1'500 | CHF 443.00 | CHF 412.00 |
| 2'000 | CHF 414.00 | CHF 385.00 |
| 2'500 | CHF 385.00 | CHF 358.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 396.70 | CHF 368.90 |
| 500 | CHF 385.20 | CHF 358.20 |
| 1'000 | CHF 356.20 | CHF 331.30 |
| 1'500 | CHF 326.70 | CHF 303.80 |
| 2'000 | CHF 297.70 | CHF 276.90 |
| 2'500 | CHF 268.70 | CHF 249.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.60 | CHF 128.00 |
| 100 | CHF 131.80 | CHF 122.60 |
| 200 | CHF 126.00 | CHF 117.20 |
| 300 | CHF 120.10 | CHF 111.70 |
| 400 | CHF 114.30 | CHF 106.30 |
| 500 | CHF 108.50 | CHF 100.90 |
| 600 | CHF 102.60 | CHF 95.40 |
The price, region by region
- 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 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.