Avenir PrimaFlex — Region 3, St. Gallen
Region 3, St. Gallen: the PrimaFlex model from Avenir costs CHF 474.10 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 474.10, PrimaFlex 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, PrimaFlex costs CHF 776.40 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 474.10 | CHF 440.90 |
| 500 | CHF 463.10 | CHF 430.70 |
| 1'000 | CHF 435.60 | CHF 405.10 |
| 1'500 | CHF 407.60 | CHF 379.10 |
| 2'000 | CHF 380.00 | CHF 353.40 |
| 2'500 | CHF 352.50 | CHF 327.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 354.60 | CHF 329.80 |
| 500 | CHF 343.10 | CHF 319.10 |
| 1'000 | CHF 314.10 | CHF 292.10 |
| 1'500 | CHF 284.60 | CHF 264.70 |
| 2'000 | CHF 255.60 | CHF 237.70 |
| 2'500 | CHF 226.60 | CHF 210.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.20 | CHF 116.40 |
| 100 | CHF 119.40 | CHF 111.00 |
| 200 | CHF 113.60 | CHF 105.60 |
| 300 | CHF 107.70 | CHF 100.10 |
| 400 | CHF 101.90 | CHF 94.70 |
| 500 | CHF 96.10 | CHF 89.30 |
| 600 | CHF 90.20 | CHF 83.80 |
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.