Avenir SanaTel — Region 3, St. Gallen
Region 3, St. Gallen: the SanaTel model from Avenir costs CHF 482.20 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 482.20, SanaTel is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 679.20 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 482.20 | CHF 448.40 |
| 500 | CHF 470.70 | CHF 437.80 |
| 1'000 | CHF 441.70 | CHF 410.80 |
| 1'500 | CHF 412.20 | CHF 383.30 |
| 2'000 | CHF 383.20 | CHF 356.40 |
| 2'500 | CHF 354.20 | CHF 329.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 368.80 | CHF 343.00 |
| 500 | CHF 357.30 | CHF 332.30 |
| 1'000 | CHF 328.30 | CHF 305.30 |
| 1'500 | CHF 298.80 | CHF 277.90 |
| 2'000 | CHF 269.80 | CHF 250.90 |
| 2'500 | CHF 240.80 | CHF 224.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.50 | CHF 117.70 |
| 100 | CHF 120.70 | CHF 112.30 |
| 200 | CHF 114.90 | CHF 106.90 |
| 300 | CHF 109.00 | CHF 101.40 |
| 400 | CHF 103.20 | CHF 96.00 |
| 500 | CHF 97.40 | CHF 90.60 |
| 600 | CHF 91.50 | CHF 85.10 |
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
- 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.