PrimaCare or PrimaFlex — Region 2, St. Gallen
Region 2, St. Gallen: with Mutuel, PrimaCare costs CHF 510.30 a month in 2026 and PrimaFlex CHF 494.90, 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 184.80 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 510.30 | CHF 494.90 | CHF 184.80 |
| 500 | CHF 498.80 | CHF 483.90 | CHF 178.80 |
| 1'000 | CHF 469.80 | CHF 456.40 | CHF 160.80 |
| 1'500 | CHF 440.30 | CHF 428.40 | CHF 142.80 |
| 2'000 | CHF 411.30 | CHF 400.80 | CHF 126.00 |
| 2'500 | CHF 382.30 | CHF 373.30 | CHF 108.00 |
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 1
- 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.