Helsana Premed-24 — Region 1, St. Gallen
Region 1, St. Gallen: the Premed-24 model from Helsana costs CHF 523.40 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 523.40, Premed-24 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, Premed-24 costs CHF 547.20 less per year than Helsana'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 523.40 | CHF 486.80 |
| 500 | CHF 511.80 | CHF 476.00 |
| 1'000 | CHF 482.60 | CHF 448.90 |
| 1'500 | CHF 453.40 | CHF 421.70 |
| 2'000 | CHF 424.30 | CHF 394.60 |
| 2'500 | CHF 395.10 | CHF 367.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 418.70 | CHF 389.40 |
| 500 | CHF 407.10 | CHF 378.70 |
| 1'000 | CHF 377.90 | CHF 351.50 |
| 1'500 | CHF 348.70 | CHF 324.30 |
| 2'000 | CHF 319.60 | CHF 297.30 |
| 2'500 | CHF 290.40 | CHF 270.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.30 | CHF 111.90 |
| 500 | CHF 91.20 | CHF 84.90 |
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.