Avenir SanaTel — Region 1, Bern
Region 1, Bern: the SanaTel model from Avenir costs CHF 620.60 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 620.60, SanaTel is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 872.40 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 620.60 | CHF 577.10 |
| 500 | CHF 609.10 | CHF 566.40 |
| 1'000 | CHF 580.10 | CHF 539.50 |
| 1'500 | CHF 550.60 | CHF 512.00 |
| 2'000 | CHF 521.60 | CHF 485.00 |
| 2'500 | CHF 492.60 | CHF 458.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 455.40 | CHF 423.60 |
| 500 | CHF 443.90 | CHF 412.90 |
| 1'000 | CHF 414.90 | CHF 385.90 |
| 1'500 | CHF 385.40 | CHF 358.50 |
| 2'000 | CHF 356.40 | CHF 331.50 |
| 2'500 | CHF 327.40 | CHF 304.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 138.20 | CHF 128.60 |
| 100 | CHF 132.40 | CHF 123.20 |
| 200 | CHF 126.60 | CHF 117.80 |
| 300 | CHF 120.70 | CHF 112.30 |
| 400 | CHF 114.90 | CHF 106.90 |
| 500 | CHF 109.10 | CHF 101.50 |
| 600 | CHF 103.20 | CHF 96.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.