Avenir SanaTel — Region 1, Schaffhausen
Region 1, Schaffhausen: the SanaTel model from Avenir costs CHF 581.90 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 581.90, SanaTel is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 818.40 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 581.90 | CHF 541.20 |
| 500 | CHF 570.40 | CHF 530.50 |
| 1'000 | CHF 541.40 | CHF 503.50 |
| 1'500 | CHF 511.90 | CHF 476.10 |
| 2'000 | CHF 482.90 | CHF 449.10 |
| 2'500 | CHF 453.90 | CHF 422.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 432.20 | CHF 401.90 |
| 500 | CHF 420.70 | CHF 391.20 |
| 1'000 | CHF 391.70 | CHF 364.30 |
| 1'500 | CHF 362.20 | CHF 336.80 |
| 2'000 | CHF 333.20 | CHF 309.90 |
| 2'500 | CHF 304.20 | CHF 282.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 141.70 | CHF 131.80 |
| 100 | CHF 135.90 | CHF 126.40 |
| 200 | CHF 130.10 | CHF 121.00 |
| 300 | CHF 124.20 | CHF 115.50 |
| 400 | CHF 118.40 | CHF 110.10 |
| 500 | CHF 112.60 | CHF 104.70 |
| 600 | CHF 106.70 | CHF 99.20 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.