Avenir SanaTel — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the SanaTel model from Avenir costs CHF 509.80 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 509.80, SanaTel is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 716.40 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 full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 509.80 | CHF 474.10 |
| 500 | CHF 498.30 | CHF 463.40 |
| 1'000 | CHF 469.30 | CHF 436.40 |
| 1'500 | CHF 439.80 | CHF 409.00 |
| 2'000 | CHF 410.80 | CHF 382.00 |
| 2'500 | CHF 381.80 | CHF 355.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 376.20 | CHF 349.80 |
| 500 | CHF 364.70 | CHF 339.10 |
| 1'000 | CHF 335.70 | CHF 312.20 |
| 1'500 | CHF 306.20 | CHF 284.70 |
| 2'000 | CHF 277.20 | CHF 257.80 |
| 2'500 | CHF 248.20 | CHF 230.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.40 | CHF 113.80 |
| 100 | CHF 116.60 | CHF 108.40 |
| 200 | CHF 110.80 | CHF 103.10 |
| 300 | CHF 104.90 | CHF 97.60 |
| 400 | CHF 99.10 | CHF 92.20 |
| 500 | CHF 93.30 | CHF 86.80 |
| 600 | CHF 87.40 | CHF 81.30 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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
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.