Avenir PrimaFlex — Region 2, St. Gallen
Region 2, St. Gallen: the PrimaFlex model from Avenir costs CHF 489.20 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 489.20, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 801.60 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 489.20 | CHF 455.00 |
| 500 | CHF 478.20 | CHF 444.80 |
| 1'000 | CHF 450.70 | CHF 419.20 |
| 1'500 | CHF 422.70 | CHF 393.20 |
| 2'000 | CHF 395.10 | CHF 367.50 |
| 2'500 | CHF 367.60 | CHF 341.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.90 | CHF 340.30 |
| 500 | CHF 354.40 | CHF 329.60 |
| 1'000 | CHF 325.40 | CHF 302.60 |
| 1'500 | CHF 295.90 | CHF 275.20 |
| 2'000 | CHF 266.90 | CHF 248.20 |
| 2'500 | CHF 237.90 | CHF 221.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.10 | CHF 120.10 |
| 100 | CHF 123.30 | CHF 114.70 |
| 200 | CHF 117.50 | CHF 109.30 |
| 300 | CHF 111.60 | CHF 103.80 |
| 400 | CHF 105.80 | CHF 98.40 |
| 500 | CHF 100.00 | CHF 93.00 |
| 600 | CHF 94.10 | CHF 87.60 |
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 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.