Avenir SanaTel
SanaTel is the "Telemedicine and others" model from Avenir. It is offered across 42 premium regions, where the adult premium with a CHF 300 deductible runs from CHF 368.60 to CHF 696.10 a month in 2026.
You call a medical service before any consultation, or follow another pathway set by the insurer.
What it saves
On average, SanaTel costs CHF 831.14 less per year than Avenir'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 price, region by region
42 premium regions, across 26 cantons.
- 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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
“SanaTel” exists elsewhere too
4 other insurers sell a model with exactly this name. The product looks alike; the price does not.
Depending on the brand, the cheapest premium ranges from CHF 364.00 to CHF 524.40 a month. The footprints differ: the “regions” column shows how many each operates in, and a brand present everywhere necessarily reaches cheaper regions.
| Insurer | Cheapest | Regions |
|---|---|---|
| Mutuel | CHF 364.00 | 42 |
| Philos | CHF 387.90 | 42 |
| AMB | CHF 510.10 | 2 |
| vallée d’Entremont | CHF 524.40 | 2 |
Avenir: this model against the others
Other models from Avenir
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.