Vivao Sympany FlexHelp 24 — Region 3, St. Gallen
Region 3, St. Gallen: the FlexHelp 24 model from Vivao Sympany costs CHF 451.50 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 451.50, FlexHelp 24 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, FlexHelp 24 costs CHF 882.00 less per year than Vivao Sympany'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 451.50 | CHF 419.90 |
| 500 | CHF 439.90 | CHF 409.20 |
| 1'000 | CHF 410.70 | CHF 382.00 |
| 1'500 | CHF 381.50 | CHF 354.80 |
| 2'000 | CHF 352.40 | CHF 327.80 |
| 2'500 | CHF 323.20 | CHF 300.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 329.60 | CHF 306.60 |
| 500 | CHF 318.00 | CHF 295.80 |
| 1'000 | CHF 288.80 | CHF 268.60 |
| 1'500 | CHF 259.60 | CHF 241.50 |
| 2'000 | CHF 230.50 | CHF 214.40 |
| 2'500 | CHF 206.10 | CHF 191.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.20 | CHF 123.90 |
| 200 | CHF 121.60 | CHF 113.10 |
| 400 | CHF 109.90 | CHF 102.30 |
| 600 | CHF 98.20 | CHF 91.40 |
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.