sana24 Combi Care — Region 1, St. Gallen
Region 1, St. Gallen: the Combi Care model from sana24 costs CHF 482.70 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 482.70, Combi Care is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Combi Care costs CHF 1'102.80 less per year than sana24'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 482.70 | CHF 451.20 |
| 500 | CHF 471.10 | CHF 440.30 |
| 1'000 | CHF 441.90 | CHF 413.00 |
| 1'500 | CHF 412.70 | CHF 385.80 |
| 2'000 | CHF 383.60 | CHF 358.50 |
| 2'500 | CHF 354.40 | CHF 331.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 439.10 | CHF 410.40 |
| 500 | CHF 427.40 | CHF 399.50 |
| 1'000 | CHF 398.30 | CHF 372.20 |
| 1'500 | CHF 369.10 | CHF 345.00 |
| 2'000 | CHF 339.90 | CHF 317.70 |
| 2'500 | CHF 310.80 | CHF 290.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 148.20 | CHF 138.50 |
| 100 | CHF 142.40 | CHF 133.10 |
| 200 | CHF 136.50 | CHF 127.60 |
| 300 | CHF 130.70 | CHF 122.20 |
| 400 | CHF 124.90 | CHF 116.70 |
| 500 | CHF 119.00 | CHF 111.30 |
| 600 | CHF 113.20 | CHF 105.80 |
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 2
- 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.