Galenos Tel Doc — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Tel Doc model from Galenos costs CHF 514.00 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 514.00, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 662.40 less per year than Galenos'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 514.00 | CHF 480.40 |
| 500 | CHF 502.40 | CHF 469.50 |
| 1'000 | CHF 473.20 | CHF 442.30 |
| 1'500 | CHF 444.00 | CHF 415.00 |
| 2'000 | CHF 414.90 | CHF 387.70 |
| 2'500 | CHF 385.70 | CHF 360.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 367.00 | CHF 343.10 |
| 500 | CHF 355.40 | CHF 332.20 |
| 1'000 | CHF 326.20 | CHF 304.90 |
| 1'500 | CHF 297.00 | CHF 277.60 |
| 2'000 | CHF 267.90 | CHF 250.40 |
| 2'500 | CHF 238.70 | CHF 223.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 140.60 | CHF 131.40 |
| 100 | CHF 134.80 | CHF 126.00 |
| 200 | CHF 128.90 | CHF 120.50 |
| 300 | CHF 123.10 | CHF 115.10 |
| 400 | CHF 117.30 | CHF 109.60 |
| 500 | CHF 111.40 | CHF 104.20 |
| 600 | CHF 105.60 | CHF 98.70 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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
- 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.