Galenos Tel Doc — Region 3, St. Gallen
Region 3, St. Gallen: the Tel Doc model from Galenos costs CHF 472.70 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 472.70, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 466.80 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 472.70 | CHF 441.80 |
| 500 | CHF 461.10 | CHF 430.90 |
| 1'000 | CHF 431.90 | CHF 403.70 |
| 1'500 | CHF 402.70 | CHF 376.40 |
| 2'000 | CHF 373.60 | CHF 349.20 |
| 2'500 | CHF 344.40 | CHF 321.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 360.90 | CHF 337.30 |
| 500 | CHF 349.20 | CHF 326.40 |
| 1'000 | CHF 320.10 | CHF 299.10 |
| 1'500 | CHF 290.90 | CHF 271.90 |
| 2'000 | CHF 261.70 | CHF 244.60 |
| 2'500 | CHF 232.60 | CHF 217.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.10 | CHF 112.20 |
| 100 | CHF 114.20 | CHF 106.80 |
| 200 | CHF 108.40 | CHF 101.30 |
| 300 | CHF 102.60 | CHF 95.90 |
| 400 | CHF 96.70 | CHF 90.40 |
| 500 | CHF 90.90 | CHF 85.00 |
| 600 | CHF 85.10 | CHF 79.50 |
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
- 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.