Visana Med Direct — Region 3, St. Gallen
Region 3, St. Gallen: the Med Direct model from Visana costs CHF 511.00 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 511.00, Med Direct 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, Med Direct costs CHF 997.20 less per year than Visana'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 511.00 | CHF 477.60 |
| 500 | CHF 504.30 | CHF 471.30 |
| 1'000 | CHF 470.10 | CHF 439.40 |
| 1'500 | CHF 441.00 | CHF 412.20 |
| 2'000 | CHF 411.80 | CHF 384.90 |
| 2'500 | CHF 382.60 | CHF 357.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 357.80 | CHF 334.40 |
| 500 | CHF 351.10 | CHF 328.20 |
| 1'000 | CHF 317.00 | CHF 296.30 |
| 1'500 | CHF 287.80 | CHF 269.00 |
| 2'000 | CHF 258.60 | CHF 241.70 |
| 2'500 | CHF 229.50 | CHF 214.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.90 | CHF 114.90 |
| 100 | CHF 117.10 | CHF 109.50 |
| 200 | CHF 111.30 | CHF 104.00 |
| 300 | CHF 105.40 | CHF 98.60 |
| 400 | CHF 99.60 | CHF 93.10 |
| 500 | CHF 93.80 | CHF 87.70 |
| 600 | CHF 87.90 | CHF 82.20 |
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.