Mutuel SanaTel — Region 3, St. Gallen
Region 3, St. Gallen: the SanaTel model from Mutuel costs CHF 464.30 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 464.30, SanaTel is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 795.60 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 464.30 | CHF 431.80 |
| 500 | CHF 452.80 | CHF 421.10 |
| 1'000 | CHF 423.80 | CHF 394.10 |
| 1'500 | CHF 394.30 | CHF 366.70 |
| 2'000 | CHF 365.30 | CHF 339.70 |
| 2'500 | CHF 336.30 | CHF 312.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 347.80 | CHF 323.40 |
| 500 | CHF 336.30 | CHF 312.80 |
| 1'000 | CHF 307.30 | CHF 285.80 |
| 1'500 | CHF 277.80 | CHF 258.30 |
| 2'000 | CHF 248.80 | CHF 231.40 |
| 2'500 | CHF 219.80 | CHF 204.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.50 | CHF 114.80 |
| 100 | CHF 117.70 | CHF 109.40 |
| 200 | CHF 111.90 | CHF 104.00 |
| 300 | CHF 106.00 | CHF 98.50 |
| 400 | CHF 100.20 | CHF 93.10 |
| 500 | CHF 94.40 | CHF 87.80 |
| 600 | CHF 88.50 | CHF 82.30 |
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 2
- 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.