rhenusana sanmed24 — Region 3, St. Gallen
Region 3, St. Gallen: the sanmed24 model from rhenusana costs CHF 457.10 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 457.10, sanmed24 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, sanmed24 costs CHF 819.60 less per year than rhenusana'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 457.10 | CHF 425.10 |
| 500 | CHF 445.50 | CHF 414.40 |
| 1'000 | CHF 416.30 | CHF 387.20 |
| 1'500 | CHF 387.20 | CHF 360.10 |
| 2'000 | CHF 358.00 | CHF 333.00 |
| 2'500 | CHF 335.10 | CHF 311.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 334.80 | CHF 311.40 |
| 500 | CHF 326.10 | CHF 303.30 |
| 1'000 | CHF 295.90 | CHF 275.20 |
| 1'500 | CHF 270.50 | CHF 251.60 |
| 2'000 | CHF 246.80 | CHF 229.60 |
| 2'500 | CHF 212.90 | CHF 198.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 96.00 | CHF 89.30 |
| 300 | CHF 78.60 | CHF 73.10 |
| 600 | CHF 61.00 | CHF 56.80 |
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
- 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.