OptiMed or SanaTel — Appenzell Innerrhoden
Appenzell Innerrhoden: with Mutuel, OptiMed costs CHF 424.60 a month in 2026 and SanaTel CHF 422.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SanaTel is the cheaper of the two here: CHF 28.80 saved per year against OptiMed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 424.60 | CHF 422.20 | CHF 28.80 |
| 500 | CHF 413.10 | CHF 410.70 | CHF 28.80 |
| 1'000 | CHF 384.10 | CHF 381.70 | CHF 28.80 |
| 1'500 | CHF 354.60 | CHF 352.20 | CHF 28.80 |
| 2'000 | CHF 325.60 | CHF 323.20 | CHF 28.80 |
| 2'500 | CHF 296.60 | CHF 294.20 | CHF 28.80 |
The comparison, region by region
- OptiMed or SanaTel?
- 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
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.