Hausarzt-Modell or sanmed24 — Region 3, St. Gallen
Region 3, St. Gallen: with rhenusana, Hausarzt-Modell costs CHF 478.70 a month in 2026 and sanmed24 CHF 457.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
sanmed24 is the cheaper of the two here: CHF 259.20 saved per year against Hausarzt-Modell, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Hausarzt-Modell is a "Family doctor" model. sanmed24 is a "Telemedicine and others" model.
- Hausarzt-Modell
Family doctor
You pick a family doctor and always go to them first.
- sanmed24
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Hausarzt-Modell | sanmed24 | Gap per year |
|---|---|---|---|
| 300 | CHF 478.70 | CHF 457.10 | CHF 259.20 |
| 500 | CHF 467.20 | CHF 445.50 | CHF 260.40 |
| 1'000 | CHF 437.90 | CHF 416.30 | CHF 259.20 |
| 1'500 | CHF 408.70 | CHF 387.20 | CHF 258.00 |
| 2'000 | CHF 379.60 | CHF 358.00 | CHF 259.20 |
| 2'500 | CHF 354.70 | CHF 335.10 | CHF 235.20 |
The comparison, region by region
- Hausarzt-Modell or sanmed24?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- 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.