Mutuel SanaTel — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the SanaTel model from Mutuel costs CHF 568.00 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 568.00, SanaTel is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 799.20 less per year than Mutuel'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 568.00 | CHF 528.30 |
| 500 | CHF 556.50 | CHF 517.60 |
| 1'000 | CHF 527.50 | CHF 490.60 |
| 1'500 | CHF 498.00 | CHF 463.20 |
| 2'000 | CHF 469.00 | CHF 436.20 |
| 2'500 | CHF 440.00 | CHF 409.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 424.40 | CHF 394.70 |
| 500 | CHF 412.90 | CHF 384.00 |
| 1'000 | CHF 383.90 | CHF 357.00 |
| 1'500 | CHF 354.40 | CHF 329.60 |
| 2'000 | CHF 325.40 | CHF 302.60 |
| 2'500 | CHF 296.40 | CHF 275.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.00 | CHF 120.90 |
| 100 | CHF 124.20 | CHF 115.50 |
| 200 | CHF 118.40 | CHF 110.10 |
| 300 | CHF 112.50 | CHF 104.60 |
| 400 | CHF 106.70 | CHF 99.20 |
| 500 | CHF 100.90 | CHF 93.80 |
| 600 | CHF 95.00 | CHF 88.40 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.