Galenos Tel Doc — Region 2, St. Gallen
Region 2, St. Gallen: the Tel Doc model from Galenos costs CHF 493.40 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 493.40, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 620.40 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 493.40 | CHF 461.10 |
| 500 | CHF 481.70 | CHF 450.20 |
| 1'000 | CHF 452.50 | CHF 422.90 |
| 1'500 | CHF 423.40 | CHF 395.70 |
| 2'000 | CHF 394.20 | CHF 368.40 |
| 2'500 | CHF 365.00 | CHF 341.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 357.50 | CHF 334.10 |
| 500 | CHF 345.80 | CHF 323.20 |
| 1'000 | CHF 316.60 | CHF 296.00 |
| 1'500 | CHF 287.50 | CHF 268.70 |
| 2'000 | CHF 258.30 | CHF 241.40 |
| 2'500 | CHF 229.10 | CHF 214.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.50 | CHF 114.50 |
| 100 | CHF 116.60 | CHF 109.00 |
| 200 | CHF 110.80 | CHF 103.60 |
| 300 | CHF 105.00 | CHF 98.10 |
| 400 | CHF 99.10 | CHF 92.70 |
| 500 | CHF 93.30 | CHF 87.20 |
| 600 | CHF 87.50 | CHF 81.80 |
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 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.