Mutuel SanaTel — Obwalden
Obwalden: the SanaTel model from Mutuel costs CHF 448.40 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 448.40, SanaTel is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 630.00 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 448.40 | CHF 417.00 |
| 500 | CHF 436.90 | CHF 406.30 |
| 1'000 | CHF 407.90 | CHF 379.30 |
| 1'500 | CHF 378.40 | CHF 351.90 |
| 2'000 | CHF 349.40 | CHF 324.90 |
| 2'500 | CHF 320.40 | CHF 297.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 330.80 | CHF 307.70 |
| 500 | CHF 319.30 | CHF 297.00 |
| 1'000 | CHF 290.30 | CHF 270.00 |
| 1'500 | CHF 260.80 | CHF 242.60 |
| 2'000 | CHF 231.80 | CHF 215.60 |
| 2'500 | CHF 202.80 | CHF 188.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.10 | CHF 105.20 |
| 100 | CHF 107.30 | CHF 99.80 |
| 200 | CHF 101.50 | CHF 94.40 |
| 300 | CHF 95.60 | CHF 88.90 |
| 400 | CHF 89.80 | CHF 83.50 |
| 500 | CHF 84.00 | CHF 78.10 |
| 600 | CHF 78.10 | CHF 72.60 |
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
- 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.