Mutuel SanaTel — Region 2, St. Gallen
Region 2, St. Gallen: the SanaTel model from Mutuel costs CHF 490.70 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 490.70, SanaTel is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 840.00 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 490.70 | CHF 456.30 |
| 500 | CHF 479.20 | CHF 445.60 |
| 1'000 | CHF 450.20 | CHF 418.70 |
| 1'500 | CHF 420.70 | CHF 391.20 |
| 2'000 | CHF 391.70 | CHF 364.20 |
| 2'500 | CHF 362.70 | CHF 337.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 367.50 | CHF 341.80 |
| 500 | CHF 356.00 | CHF 331.10 |
| 1'000 | CHF 327.00 | CHF 304.20 |
| 1'500 | CHF 297.50 | CHF 276.70 |
| 2'000 | CHF 268.50 | CHF 249.80 |
| 2'500 | CHF 239.50 | CHF 222.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.50 | CHF 121.30 |
| 100 | CHF 124.70 | CHF 115.90 |
| 200 | CHF 118.90 | CHF 110.50 |
| 300 | CHF 113.00 | CHF 105.10 |
| 400 | CHF 107.20 | CHF 99.70 |
| 500 | CHF 101.40 | CHF 94.30 |
| 600 | CHF 95.50 | CHF 88.80 |
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 1
- 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.