OptiMed or SanaTel — Appenzell Innerrhoden
Appenzell Innerrhoden: with Avenir, OptiMed costs CHF 475.20 a month in 2026 and SanaTel CHF 486.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
OptiMed is the cheaper of the two here: CHF 129.60 saved per year against SanaTel, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 475.20 | CHF 486.00 | CHF 129.60 |
| 500 | CHF 463.70 | CHF 474.50 | CHF 129.60 |
| 1'000 | CHF 434.70 | CHF 445.50 | CHF 129.60 |
| 1'500 | CHF 405.20 | CHF 416.00 | CHF 129.60 |
| 2'000 | CHF 376.20 | CHF 387.00 | CHF 129.60 |
| 2'500 | CHF 347.20 | CHF 358.00 | CHF 129.60 |
The comparison, region by region
- OptiMed or SanaTel?
- Aargau
- 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
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.