Avenir SanaTel — Region 3, Lucerne
Region 3, Lucerne: the SanaTel model from Avenir costs CHF 446.90 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 446.90, SanaTel is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 945.60 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 446.90 | CHF 415.60 |
| 500 | CHF 435.40 | CHF 404.90 |
| 1'000 | CHF 406.40 | CHF 377.90 |
| 1'500 | CHF 376.90 | CHF 350.50 |
| 2'000 | CHF 347.90 | CHF 323.50 |
| 2'500 | CHF 318.90 | CHF 296.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 327.60 | CHF 304.70 |
| 500 | CHF 316.10 | CHF 294.00 |
| 1'000 | CHF 287.10 | CHF 267.00 |
| 1'500 | CHF 257.60 | CHF 239.60 |
| 2'000 | CHF 228.60 | CHF 212.60 |
| 2'500 | CHF 203.50 | CHF 189.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.70 | CHF 111.30 |
| 100 | CHF 113.90 | CHF 105.90 |
| 200 | CHF 108.10 | CHF 100.50 |
| 300 | CHF 102.20 | CHF 95.00 |
| 400 | CHF 96.40 | CHF 89.60 |
| 500 | CHF 90.60 | CHF 84.20 |
| 600 | CHF 84.70 | CHF 78.70 |
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 1
- Lucerne — Region 2
- 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.