Galenos Tel Doc — Region 1, St. Gallen
Region 1, St. Gallen: the Tel Doc model from Galenos costs CHF 539.40 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 539.40, Tel Doc is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 632.40 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 539.40 | CHF 504.20 |
| 500 | CHF 527.80 | CHF 493.30 |
| 1'000 | CHF 498.60 | CHF 466.00 |
| 1'500 | CHF 469.40 | CHF 438.80 |
| 2'000 | CHF 440.30 | CHF 411.50 |
| 2'500 | CHF 411.10 | CHF 384.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 406.00 | CHF 379.50 |
| 500 | CHF 394.30 | CHF 368.60 |
| 1'000 | CHF 365.20 | CHF 341.30 |
| 1'500 | CHF 336.00 | CHF 314.00 |
| 2'000 | CHF 306.80 | CHF 286.80 |
| 2'500 | CHF 277.70 | CHF 259.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 146.10 | CHF 136.60 |
| 100 | CHF 140.30 | CHF 131.10 |
| 200 | CHF 134.40 | CHF 125.70 |
| 300 | CHF 128.60 | CHF 120.20 |
| 400 | CHF 122.80 | CHF 114.80 |
| 500 | CHF 116.90 | CHF 109.30 |
| 600 | CHF 111.10 | CHF 103.90 |
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 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.