Callmed or Hausarztversicherung Profit — Region 3, St. Gallen
Region 3, St. Gallen: with CSS, Callmed costs CHF 461.80 a month in 2026 and Hausarztversicherung Profit CHF 446.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Hausarztversicherung Profit is the cheaper of the two here: CHF 186.00 saved per year against Callmed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Callmed is a "Telemedicine and others" model. Hausarztversicherung Profit is a "Family doctor" model.
- Callmed
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- Hausarztversicherung Profit
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Callmed | Hausarztversicherung Profit | Gap per year |
|---|---|---|---|
| 300 | CHF 461.80 | CHF 446.30 | CHF 186.00 |
| 500 | CHF 450.20 | CHF 434.70 | CHF 186.00 |
| 1'000 | CHF 421.00 | CHF 405.50 | CHF 186.00 |
| 1'500 | CHF 391.80 | CHF 376.30 | CHF 186.00 |
| 2'000 | CHF 362.70 | CHF 347.20 | CHF 186.00 |
| 2'500 | CHF 333.50 | CHF 318.00 | CHF 186.00 |
The comparison, region by region
- Callmed or Hausarztversicherung Profit?
- 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
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.