Mutuel SanaTel — Appenzell Innerrhoden
Appenzell Innerrhoden: the SanaTel model from Mutuel costs CHF 422.20 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 422.20, SanaTel is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 723.60 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 422.20 | CHF 392.70 |
| 500 | CHF 410.70 | CHF 382.00 |
| 1'000 | CHF 381.70 | CHF 355.00 |
| 1'500 | CHF 352.20 | CHF 327.60 |
| 2'000 | CHF 323.20 | CHF 300.60 |
| 2'500 | CHF 294.20 | CHF 273.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 316.90 | CHF 294.70 |
| 500 | CHF 305.40 | CHF 284.00 |
| 1'000 | CHF 276.40 | CHF 257.00 |
| 1'500 | CHF 246.90 | CHF 229.60 |
| 2'000 | CHF 217.90 | CHF 202.60 |
| 2'500 | CHF 192.40 | CHF 179.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 101.10 | CHF 94.00 |
| 100 | CHF 95.30 | CHF 88.60 |
| 200 | CHF 89.50 | CHF 83.20 |
| 300 | CHF 83.60 | CHF 77.70 |
| 400 | CHF 77.80 | CHF 72.30 |
| 500 | CHF 72.00 | CHF 66.90 |
| 600 | CHF 66.10 | CHF 61.40 |
The price, region by region
- 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
- 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.