Galenos Tel Doc — Appenzell Innerrhoden
Appenzell Innerrhoden: the Tel Doc model from Galenos costs CHF 436.90 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 436.90, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 714.00 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 436.90 | CHF 408.30 |
| 500 | CHF 425.20 | CHF 397.40 |
| 1'000 | CHF 396.00 | CHF 370.20 |
| 1'500 | CHF 366.90 | CHF 342.90 |
| 2'000 | CHF 337.70 | CHF 315.60 |
| 2'500 | CHF 308.50 | CHF 288.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 351.70 | CHF 328.70 |
| 500 | CHF 340.00 | CHF 317.80 |
| 1'000 | CHF 310.90 | CHF 290.60 |
| 1'500 | CHF 281.70 | CHF 263.30 |
| 2'000 | CHF 252.50 | CHF 236.00 |
| 2'500 | CHF 223.40 | CHF 208.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 109.50 | CHF 102.40 |
| 100 | CHF 103.70 | CHF 96.90 |
| 200 | CHF 97.90 | CHF 91.50 |
| 300 | CHF 92.00 | CHF 86.00 |
| 400 | CHF 86.20 | CHF 80.60 |
| 500 | CHF 80.40 | CHF 75.10 |
| 600 | CHF 74.50 | CHF 69.70 |
The price, region by region
- Aargau
- 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
- 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.