Médecin de famille or Télémédecine — Region 1, St. Gallen
Region 1, St. Gallen: with ÖKK, Médecin de famille costs CHF 496.80 a month in 2026 and Télémédecine CHF 505.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Médecin de famille is the cheaper of the two here: CHF 99.60 saved per year against Télémédecine, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Médecin de famille is a "Family doctor" model. Télémédecine is a "Telemedicine and others" model.
- Médecin de famille
Family doctor
You pick a family doctor and always go to them first.
- Télémédecine
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Médecin de famille | Télémédecine | Gap per year |
|---|---|---|---|
| 300 | CHF 496.80 | CHF 505.10 | CHF 99.60 |
| 500 | CHF 485.20 | CHF 493.50 | CHF 99.60 |
| 1'000 | CHF 456.00 | CHF 464.30 | CHF 99.60 |
| 1'500 | CHF 426.80 | CHF 435.10 | CHF 99.60 |
| 2'000 | CHF 397.70 | CHF 406.00 | CHF 99.60 |
| 2'500 | CHF 368.50 | CHF 376.80 | CHF 99.60 |
The comparison, region by region
- Médecin de famille or Télémédecine?
- 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.