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PrimaCare or SanaTel — Appenzell Innerrhoden

Appenzell Innerrhoden: with Avenir, PrimaCare costs CHF 486.00 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.

Here PrimaCare and SanaTel cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.

What you accept in each case

PrimaCare is a "Family doctor" model. SanaTel is a "Telemedicine and others" model.

  • PrimaCare

    Family doctor

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

  • SanaTel

    Telemedicine and others

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

The price at every deductible

DeductiblePrimaCareSanaTelGap per year
300CHF 486.00CHF 486.00
500CHF 474.50CHF 474.50
1'000CHF 445.50CHF 445.50
1'500CHF 416.00CHF 416.00
2'000CHF 387.00CHF 387.00
2'500CHF 358.00CHF 358.00

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.

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