Mutuel SanaTel — Region 1, St. Gallen
Region 1, St. Gallen: the SanaTel model from Mutuel costs CHF 527.60 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 527.60, SanaTel is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 903.60 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 527.60 | CHF 490.70 |
| 500 | CHF 516.10 | CHF 480.00 |
| 1'000 | CHF 487.10 | CHF 453.00 |
| 1'500 | CHF 457.60 | CHF 425.60 |
| 2'000 | CHF 428.60 | CHF 398.60 |
| 2'500 | CHF 399.60 | CHF 371.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 395.20 | CHF 367.50 |
| 500 | CHF 383.70 | CHF 356.90 |
| 1'000 | CHF 354.70 | CHF 329.90 |
| 1'500 | CHF 325.20 | CHF 302.40 |
| 2'000 | CHF 296.20 | CHF 275.50 |
| 2'500 | CHF 267.20 | CHF 248.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 140.30 | CHF 130.50 |
| 100 | CHF 134.50 | CHF 125.10 |
| 200 | CHF 128.70 | CHF 119.70 |
| 300 | CHF 122.80 | CHF 114.20 |
| 400 | CHF 117.00 | CHF 108.80 |
| 500 | CHF 111.20 | CHF 103.40 |
| 600 | CHF 105.30 | CHF 97.90 |
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
- Obwalden
- 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.