Avenir SanaTel — Region 3, Zurich
Region 3, Zurich: the SanaTel model from Avenir costs CHF 502.40 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 502.40, SanaTel is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'064.40 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 502.40 | CHF 467.20 |
| 500 | CHF 490.90 | CHF 456.60 |
| 1'000 | CHF 461.90 | CHF 429.60 |
| 1'500 | CHF 432.40 | CHF 402.10 |
| 2'000 | CHF 403.40 | CHF 375.20 |
| 2'500 | CHF 374.40 | CHF 348.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 361.00 | CHF 335.70 |
| 500 | CHF 349.50 | CHF 325.00 |
| 1'000 | CHF 320.50 | CHF 298.10 |
| 1'500 | CHF 291.00 | CHF 270.60 |
| 2'000 | CHF 262.00 | CHF 243.70 |
| 2'500 | CHF 233.00 | CHF 216.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.30 | CHF 121.20 |
| 100 | CHF 124.50 | CHF 115.80 |
| 200 | CHF 118.70 | CHF 110.40 |
| 300 | CHF 112.80 | CHF 104.90 |
| 400 | CHF 107.00 | CHF 99.50 |
| 500 | CHF 101.20 | CHF 94.20 |
| 600 | CHF 95.30 | CHF 88.70 |
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 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.