Mutuel PrimaFlex — Region 1, St. Gallen
Region 1, St. Gallen: the PrimaFlex model from Mutuel costs CHF 532.10 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 532.10, PrimaFlex 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, PrimaFlex costs CHF 849.60 less per year than Mutuel'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 532.10 | CHF 494.90 |
| 500 | CHF 521.10 | CHF 484.60 |
| 1'000 | CHF 493.60 | CHF 459.10 |
| 1'500 | CHF 465.60 | CHF 433.00 |
| 2'000 | CHF 438.00 | CHF 407.40 |
| 2'500 | CHF 410.50 | CHF 381.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 393.00 | CHF 365.50 |
| 500 | CHF 381.50 | CHF 354.80 |
| 1'000 | CHF 352.50 | CHF 327.80 |
| 1'500 | CHF 323.00 | CHF 300.40 |
| 2'000 | CHF 294.00 | CHF 273.40 |
| 2'500 | CHF 265.00 | CHF 246.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 139.50 | CHF 129.70 |
| 100 | CHF 133.70 | CHF 124.40 |
| 200 | CHF 127.90 | CHF 119.00 |
| 300 | CHF 122.00 | CHF 113.50 |
| 400 | CHF 116.20 | CHF 108.10 |
| 500 | CHF 110.40 | CHF 102.70 |
| 600 | CHF 104.50 | CHF 97.20 |
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.