Avenir SanaTel — Geneva
Geneva: the SanaTel model from Avenir costs CHF 695.80 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 695.80, SanaTel is not the lowest premium here: Assura-Basis goes down to CHF 604.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 979.20 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 695.80 | CHF 647.10 |
| 500 | CHF 684.30 | CHF 636.40 |
| 1'000 | CHF 655.30 | CHF 609.50 |
| 1'500 | CHF 625.80 | CHF 582.00 |
| 2'000 | CHF 596.80 | CHF 555.00 |
| 2'500 | CHF 567.80 | CHF 528.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 538.80 | CHF 501.10 |
| 500 | CHF 527.30 | CHF 490.40 |
| 1'000 | CHF 498.30 | CHF 463.40 |
| 1'500 | CHF 468.80 | CHF 436.00 |
| 2'000 | CHF 439.80 | CHF 409.00 |
| 2'500 | CHF 410.80 | CHF 382.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 178.30 | CHF 165.90 |
| 100 | CHF 172.50 | CHF 160.50 |
| 200 | CHF 166.70 | CHF 155.10 |
| 300 | CHF 160.80 | CHF 149.60 |
| 400 | CHF 155.00 | CHF 144.20 |
| 500 | CHF 149.20 | CHF 138.80 |
| 600 | CHF 143.30 | CHF 133.30 |
The price, region by region
- 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
- 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.