Avenir SanaTel — Region 1, Lucerne
Region 1, Lucerne: the SanaTel model from Avenir costs CHF 475.40 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 475.40, SanaTel is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'005.60 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 475.40 | CHF 442.10 |
| 500 | CHF 463.90 | CHF 431.40 |
| 1'000 | CHF 434.90 | CHF 404.40 |
| 1'500 | CHF 405.40 | CHF 377.00 |
| 2'000 | CHF 376.40 | CHF 350.00 |
| 2'500 | CHF 347.40 | CHF 323.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 348.50 | CHF 324.10 |
| 500 | CHF 337.00 | CHF 313.40 |
| 1'000 | CHF 308.00 | CHF 286.40 |
| 1'500 | CHF 278.50 | CHF 259.00 |
| 2'000 | CHF 249.50 | CHF 232.00 |
| 2'500 | CHF 220.50 | CHF 205.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.30 | CHF 118.40 |
| 100 | CHF 121.50 | CHF 113.00 |
| 200 | CHF 115.70 | CHF 107.60 |
| 300 | CHF 109.80 | CHF 102.10 |
| 400 | CHF 104.00 | CHF 96.70 |
| 500 | CHF 98.20 | CHF 91.30 |
| 600 | CHF 92.30 | CHF 85.80 |
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
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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.