Galenos Med Direct — Region 2, St. Gallen
Region 2, St. Gallen: the Med Direct model from Galenos costs CHF 497.70 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 497.70, Med Direct 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, Med Direct costs CHF 568.80 less per year than Galenos'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 497.70 | CHF 465.20 |
| 500 | CHF 486.00 | CHF 454.30 |
| 1'000 | CHF 456.90 | CHF 427.00 |
| 1'500 | CHF 427.70 | CHF 399.80 |
| 2'000 | CHF 398.50 | CHF 372.50 |
| 2'500 | CHF 369.40 | CHF 345.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 381.30 | CHF 356.40 |
| 500 | CHF 369.70 | CHF 345.50 |
| 1'000 | CHF 340.50 | CHF 318.20 |
| 1'500 | CHF 311.30 | CHF 291.00 |
| 2'000 | CHF 282.20 | CHF 263.70 |
| 2'500 | CHF 253.00 | CHF 236.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.10 | CHF 118.80 |
| 100 | CHF 121.30 | CHF 113.30 |
| 200 | CHF 115.40 | CHF 107.90 |
| 300 | CHF 109.60 | CHF 102.40 |
| 400 | CHF 103.80 | CHF 97.00 |
| 500 | CHF 97.90 | CHF 91.50 |
| 600 | CHF 92.10 | CHF 86.10 |
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.