OptiMed or SanaTel — Appenzell Innerrhoden
Appenzell Innerrhoden: with Philos, OptiMed costs CHF 402.70 a month in 2026 and SanaTel CHF 405.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
OptiMed is the cheaper of the two here: CHF 27.60 saved per year against SanaTel, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 402.70 | CHF 405.00 | CHF 27.60 |
| 500 | CHF 391.20 | CHF 393.50 | CHF 27.60 |
| 1'000 | CHF 362.20 | CHF 364.50 | CHF 27.60 |
| 1'500 | CHF 332.70 | CHF 335.00 | CHF 27.60 |
| 2'000 | CHF 303.70 | CHF 306.00 | CHF 27.60 |
| 2'500 | CHF 274.70 | CHF 277.00 | CHF 27.60 |
The comparison, region by region
- OptiMed or SanaTel?
- Aargau
- 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
- 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
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.