Mutuel SanaTel — Geneva
Geneva: the SanaTel model from Mutuel costs CHF 646.90 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 646.90, SanaTel is not the lowest premium here: Assura-Basis goes down to CHF 604.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'263.60 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 646.90 | CHF 601.70 |
| 500 | CHF 635.40 | CHF 591.00 |
| 1'000 | CHF 606.40 | CHF 564.00 |
| 1'500 | CHF 576.90 | CHF 536.60 |
| 2'000 | CHF 547.90 | CHF 509.60 |
| 2'500 | CHF 518.90 | CHF 482.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 444.80 | CHF 413.60 |
| 500 | CHF 433.30 | CHF 402.90 |
| 1'000 | CHF 404.30 | CHF 376.00 |
| 1'500 | CHF 374.80 | CHF 348.50 |
| 2'000 | CHF 345.80 | CHF 321.60 |
| 2'500 | CHF 316.80 | CHF 294.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 168.50 | CHF 156.70 |
| 100 | CHF 162.70 | CHF 151.30 |
| 200 | CHF 156.90 | CHF 145.90 |
| 300 | CHF 151.00 | CHF 140.50 |
| 400 | CHF 145.20 | CHF 135.10 |
| 500 | CHF 139.40 | CHF 129.70 |
| 600 | CHF 133.50 | CHF 124.20 |
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
- 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.