Avenir PrimaCare — Region 3, St. Gallen
Region 3, St. Gallen: the PrimaCare model from Avenir costs CHF 482.20 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 482.20, PrimaCare 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, PrimaCare costs CHF 679.20 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 482.20 | CHF 448.40 |
| 500 | CHF 470.70 | CHF 437.80 |
| 1'000 | CHF 441.70 | CHF 410.80 |
| 1'500 | CHF 412.20 | CHF 383.30 |
| 2'000 | CHF 383.20 | CHF 356.40 |
| 2'500 | CHF 354.20 | CHF 329.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 372.90 | CHF 346.80 |
| 500 | CHF 361.40 | CHF 336.10 |
| 1'000 | CHF 332.40 | CHF 309.10 |
| 1'500 | CHF 302.90 | CHF 281.70 |
| 2'000 | CHF 273.90 | CHF 254.70 |
| 2'500 | CHF 244.90 | CHF 227.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.30 | CHF 120.30 |
| 100 | CHF 123.50 | CHF 114.90 |
| 200 | CHF 117.70 | CHF 109.50 |
| 300 | CHF 111.80 | CHF 104.00 |
| 400 | CHF 106.00 | CHF 98.60 |
| 500 | CHF 100.20 | CHF 93.20 |
| 600 | CHF 94.30 | CHF 87.70 |
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 1
- St. Gallen — Region 2
- 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.