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Sophie

PrimaCare or SanaTel — Region 1, St. Gallen

Region 1, St. Gallen: with Avenir, PrimaCare costs CHF 513.00 a month in 2026 and SanaTel CHF 513.00, 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 513.00CHF 513.00
500CHF 501.50CHF 501.50
1'000CHF 472.50CHF 472.50
1'500CHF 443.00CHF 443.00
2'000CHF 414.00CHF 414.00
2'500CHF 385.00CHF 385.00

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.