CSS Multimed — Region 1, St. Gallen
Region 1, St. Gallen: the Multimed model from CSS costs CHF 497.60 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 497.60, Multimed 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, Multimed costs CHF 892.80 less per year than CSS'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 497.60 | CHF 462.80 |
| 500 | CHF 486.00 | CHF 452.00 |
| 1'000 | CHF 456.80 | CHF 424.90 |
| 1'500 | CHF 427.60 | CHF 397.70 |
| 2'000 | CHF 398.50 | CHF 370.60 |
| 2'500 | CHF 369.30 | CHF 343.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 373.20 | CHF 347.10 |
| 500 | CHF 361.60 | CHF 336.30 |
| 1'000 | CHF 332.40 | CHF 309.20 |
| 1'500 | CHF 303.20 | CHF 282.00 |
| 2'000 | CHF 274.10 | CHF 254.90 |
| 2'500 | CHF 244.90 | CHF 227.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.40 | CHF 111.10 |
| 100 | CHF 113.60 | CHF 105.70 |
| 200 | CHF 107.80 | CHF 100.30 |
| 300 | CHF 101.90 | CHF 94.80 |
| 400 | CHF 96.10 | CHF 89.40 |
| 600 | CHF 84.40 | CHF 78.50 |
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.