Avenir SanaTel — Appenzell Innerrhoden
Appenzell Innerrhoden: the SanaTel model from Avenir costs CHF 486.00 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 486.00, SanaTel is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 684.00 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 486.00 | CHF 452.00 |
| 500 | CHF 474.50 | CHF 441.30 |
| 1'000 | CHF 445.50 | CHF 414.40 |
| 1'500 | CHF 416.00 | CHF 386.90 |
| 2'000 | CHF 387.00 | CHF 359.90 |
| 2'500 | CHF 358.00 | CHF 333.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 371.60 | CHF 345.60 |
| 500 | CHF 360.10 | CHF 334.90 |
| 1'000 | CHF 331.10 | CHF 308.00 |
| 1'500 | CHF 301.60 | CHF 280.50 |
| 2'000 | CHF 272.60 | CHF 253.60 |
| 2'500 | CHF 243.60 | CHF 226.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.70 | CHF 117.90 |
| 100 | CHF 120.90 | CHF 112.50 |
| 200 | CHF 115.10 | CHF 107.10 |
| 300 | CHF 109.20 | CHF 101.60 |
| 400 | CHF 103.40 | CHF 96.20 |
| 500 | CHF 97.60 | CHF 90.80 |
| 600 | CHF 91.70 | CHF 85.30 |
The price, region by region
- 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
- 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.