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Médecin de famille 3 or TelMed (CallMed) — Region 1, St. Gallen

Region 1, St. Gallen: with Sanitas, Médecin de famille 3 costs CHF 512.70 a month in 2026 and TelMed (CallMed) CHF 512.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Médecin de famille 3 is the cheaper of the two here: CHF 1.20 saved per year against TelMed (CallMed), 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 3 is a "Family doctor" model. TelMed (CallMed) is a "Telemedicine and others" model.

  • Médecin de famille 3

    Family doctor

    You pick a family doctor and always go to them first.

  • TelMed (CallMed)

    Telemedicine and others

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

The price at every deductible

DeductibleMédecin de famille 3TelMed (CallMed)Gap per year
300CHF 512.70CHF 512.80CHF 1.20
500CHF 501.10CHF 501.20CHF 1.20
1'000CHF 471.90CHF 472.00CHF 1.20
1'500CHF 442.70CHF 442.80CHF 1.20
2'000CHF 413.60CHF 413.70CHF 1.20
2'500CHF 384.40CHF 384.50CHF 1.20

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.