Mutuel PrimaFlex — Region 3, St. Gallen
Region 3, St. Gallen: the PrimaFlex model from Mutuel costs CHF 468.30 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 468.30, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 747.60 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 468.30 | CHF 435.50 |
| 500 | CHF 457.30 | CHF 425.30 |
| 1'000 | CHF 429.80 | CHF 399.70 |
| 1'500 | CHF 401.80 | CHF 373.60 |
| 2'000 | CHF 374.20 | CHF 348.00 |
| 2'500 | CHF 346.70 | CHF 322.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 345.80 | CHF 321.60 |
| 500 | CHF 334.30 | CHF 310.90 |
| 1'000 | CHF 305.30 | CHF 284.00 |
| 1'500 | CHF 275.80 | CHF 256.50 |
| 2'000 | CHF 246.80 | CHF 229.60 |
| 2'500 | CHF 217.80 | CHF 202.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.80 | CHF 114.20 |
| 100 | CHF 117.00 | CHF 108.80 |
| 200 | CHF 111.20 | CHF 103.40 |
| 300 | CHF 105.30 | CHF 97.90 |
| 400 | CHF 99.50 | CHF 92.50 |
| 500 | CHF 93.70 | CHF 87.10 |
| 600 | CHF 87.80 | CHF 81.60 |
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 2
- 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.