Avenir SanaTel — Region 1, Zurich
Region 1, Zurich: the SanaTel model from Avenir costs CHF 540.20 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 540.20, SanaTel is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'143.60 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 540.20 | CHF 502.40 |
| 500 | CHF 528.70 | CHF 491.70 |
| 1'000 | CHF 499.70 | CHF 464.70 |
| 1'500 | CHF 470.20 | CHF 437.30 |
| 2'000 | CHF 441.20 | CHF 410.30 |
| 2'500 | CHF 412.20 | CHF 383.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 388.20 | CHF 361.00 |
| 500 | CHF 376.70 | CHF 350.30 |
| 1'000 | CHF 347.70 | CHF 323.30 |
| 1'500 | CHF 318.20 | CHF 295.90 |
| 2'000 | CHF 289.20 | CHF 268.90 |
| 2'500 | CHF 260.20 | CHF 241.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 140.10 | CHF 130.30 |
| 100 | CHF 134.30 | CHF 124.90 |
| 200 | CHF 128.50 | CHF 119.50 |
| 300 | CHF 122.60 | CHF 114.10 |
| 400 | CHF 116.80 | CHF 108.70 |
| 500 | CHF 111.00 | CHF 103.30 |
| 600 | CHF 105.10 | CHF 97.80 |
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 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.