PrimaCare or PrimaFlex — Region 1, St. Gallen
Region 1, St. Gallen: with Mutuel, PrimaCare costs CHF 548.70 a month in 2026 and PrimaFlex CHF 532.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PrimaFlex is the cheaper of the two here: CHF 199.20 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaCare is a "Family doctor" model. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | PrimaCare | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 548.70 | CHF 532.10 | CHF 199.20 |
| 500 | CHF 537.20 | CHF 521.10 | CHF 193.20 |
| 1'000 | CHF 508.20 | CHF 493.60 | CHF 175.20 |
| 1'500 | CHF 478.70 | CHF 465.60 | CHF 157.20 |
| 2'000 | CHF 449.70 | CHF 438.00 | CHF 140.40 |
| 2'500 | CHF 420.70 | CHF 410.50 | CHF 122.40 |
The comparison, region by region
- PrimaCare or PrimaFlex?
- 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
- 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.