Galenos Med Direct — Region 3, St. Gallen
Region 3, St. Gallen: the Med Direct model from Galenos costs CHF 471.20 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 471.20, Med Direct 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, Med Direct costs CHF 484.80 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 471.20 | CHF 440.40 |
| 500 | CHF 459.50 | CHF 429.50 |
| 1'000 | CHF 430.40 | CHF 402.30 |
| 1'500 | CHF 401.20 | CHF 375.00 |
| 2'000 | CHF 372.00 | CHF 347.70 |
| 2'500 | CHF 342.90 | CHF 320.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 360.10 | CHF 336.60 |
| 500 | CHF 348.50 | CHF 325.70 |
| 1'000 | CHF 319.30 | CHF 298.40 |
| 1'500 | CHF 290.10 | CHF 271.20 |
| 2'000 | CHF 261.00 | CHF 243.90 |
| 2'500 | CHF 231.80 | CHF 216.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.90 | CHF 111.20 |
| 100 | CHF 113.10 | CHF 105.70 |
| 200 | CHF 107.20 | CHF 100.30 |
| 300 | CHF 101.40 | CHF 94.80 |
| 400 | CHF 95.60 | CHF 89.40 |
| 500 | CHF 89.70 | CHF 83.90 |
| 600 | CHF 83.90 | CHF 78.40 |
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.