Avenir SanaTel — Region 2, St. Gallen
Region 2, St. Gallen: the SanaTel model from Avenir costs CHF 497.60 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 497.60, SanaTel is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 700.80 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 497.60 | CHF 462.80 |
| 500 | CHF 486.10 | CHF 452.10 |
| 1'000 | CHF 457.10 | CHF 425.10 |
| 1'500 | CHF 427.60 | CHF 397.70 |
| 2'000 | CHF 398.60 | CHF 370.70 |
| 2'500 | CHF 369.60 | CHF 343.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 380.60 | CHF 354.00 |
| 500 | CHF 369.10 | CHF 343.30 |
| 1'000 | CHF 340.10 | CHF 316.30 |
| 1'500 | CHF 310.60 | CHF 288.90 |
| 2'000 | CHF 281.60 | CHF 261.90 |
| 2'500 | CHF 252.60 | CHF 234.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.60 | CHF 121.40 |
| 100 | CHF 124.80 | CHF 116.10 |
| 200 | CHF 119.00 | CHF 110.70 |
| 300 | CHF 113.10 | CHF 105.20 |
| 400 | CHF 107.30 | CHF 99.80 |
| 500 | CHF 101.50 | CHF 94.40 |
| 600 | CHF 95.60 | CHF 88.90 |
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 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.