Avenir SanaTel — Region 1, St. Gallen
Region 1, St. Gallen: the SanaTel model from Avenir costs CHF 513.00 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 513.00, SanaTel is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 721.20 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 513.00 | CHF 477.10 |
| 500 | CHF 501.50 | CHF 466.40 |
| 1'000 | CHF 472.50 | CHF 439.40 |
| 1'500 | CHF 443.00 | CHF 412.00 |
| 2'000 | CHF 414.00 | CHF 385.00 |
| 2'500 | CHF 385.00 | CHF 358.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 392.40 | CHF 364.90 |
| 500 | CHF 380.90 | CHF 354.20 |
| 1'000 | CHF 351.90 | CHF 327.20 |
| 1'500 | CHF 322.40 | CHF 299.80 |
| 2'000 | CHF 293.40 | CHF 272.80 |
| 2'500 | CHF 264.40 | CHF 245.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 134.60 | CHF 125.20 |
| 100 | CHF 128.80 | CHF 119.80 |
| 200 | CHF 123.00 | CHF 114.40 |
| 300 | CHF 117.10 | CHF 108.90 |
| 400 | CHF 111.30 | CHF 103.50 |
| 500 | CHF 105.50 | CHF 98.10 |
| 600 | CHF 99.60 | CHF 92.70 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- 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.