Mutuel PrimaFlex — Region 2, St. Gallen
Region 2, St. Gallen: the PrimaFlex model from Mutuel costs CHF 494.90 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 494.90, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 789.60 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 494.90 | CHF 460.20 |
| 500 | CHF 483.90 | CHF 450.00 |
| 1'000 | CHF 456.40 | CHF 424.40 |
| 1'500 | CHF 428.40 | CHF 398.40 |
| 2'000 | CHF 400.80 | CHF 372.70 |
| 2'500 | CHF 373.30 | CHF 347.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.50 | CHF 339.90 |
| 500 | CHF 354.00 | CHF 329.20 |
| 1'000 | CHF 325.00 | CHF 302.20 |
| 1'500 | CHF 295.50 | CHF 274.80 |
| 2'000 | CHF 266.50 | CHF 247.80 |
| 2'500 | CHF 237.50 | CHF 220.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.70 | CHF 120.70 |
| 100 | CHF 123.90 | CHF 115.30 |
| 200 | CHF 118.10 | CHF 109.90 |
| 300 | CHF 112.20 | CHF 104.40 |
| 400 | CHF 106.40 | CHF 99.00 |
| 500 | CHF 100.60 | CHF 93.60 |
| 600 | CHF 94.70 | CHF 88.10 |
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 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.