Avenir PrimaFlex — Region 1, St. Gallen
Region 1, St. Gallen: the PrimaFlex model from Avenir costs CHF 504.40 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 504.40, PrimaFlex 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, PrimaFlex costs CHF 824.40 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 504.40 | CHF 469.10 |
| 500 | CHF 493.40 | CHF 458.80 |
| 1'000 | CHF 465.90 | CHF 433.30 |
| 1'500 | CHF 437.90 | CHF 407.20 |
| 2'000 | CHF 410.30 | CHF 381.60 |
| 2'500 | CHF 382.80 | CHF 356.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 377.20 | CHF 350.80 |
| 500 | CHF 365.70 | CHF 340.10 |
| 1'000 | CHF 336.70 | CHF 313.10 |
| 1'500 | CHF 307.20 | CHF 285.70 |
| 2'000 | CHF 278.20 | CHF 258.70 |
| 2'500 | CHF 249.20 | CHF 231.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.10 | CHF 123.80 |
| 100 | CHF 127.30 | CHF 118.40 |
| 200 | CHF 121.50 | CHF 113.00 |
| 300 | CHF 115.60 | CHF 107.50 |
| 400 | CHF 109.80 | CHF 102.20 |
| 500 | CHF 104.00 | CHF 96.80 |
| 600 | CHF 98.10 | CHF 91.30 |
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.