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Sophie

Select or Télémédecine — Region 3, St. Gallen

Region 3, St. Gallen: with ÖKK, Select costs CHF 457.20 a month in 2026 and Télémédecine CHF 464.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Select is the cheaper of the two here: CHF 92.40 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

Select and Télémédecine are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.

  • Select

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

  • 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

DeductibleSelectTélémédecineGap per year
300CHF 457.20CHF 464.90CHF 92.40
500CHF 445.60CHF 453.30CHF 92.40
1'000CHF 416.40CHF 424.10CHF 92.40
1'500CHF 387.20CHF 394.90CHF 92.40
2'000CHF 358.10CHF 365.80CHF 92.40
2'500CHF 328.90CHF 336.60CHF 92.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.