sana24 Combi Care — Region 3, St. Gallen
Region 3, St. Gallen: the Combi Care model from sana24 costs CHF 444.80 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 444.80, Combi Care 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, Combi Care costs CHF 868.80 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 444.80 | CHF 415.80 |
| 500 | CHF 433.20 | CHF 404.90 |
| 1'000 | CHF 404.00 | CHF 377.60 |
| 1'500 | CHF 374.80 | CHF 350.40 |
| 2'000 | CHF 345.70 | CHF 323.10 |
| 2'500 | CHF 316.50 | CHF 295.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 401.40 | CHF 375.20 |
| 500 | CHF 389.80 | CHF 364.30 |
| 1'000 | CHF 360.60 | CHF 337.00 |
| 1'500 | CHF 331.40 | CHF 309.80 |
| 2'000 | CHF 302.30 | CHF 282.50 |
| 2'500 | CHF 273.10 | CHF 255.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.40 | CHF 124.70 |
| 100 | CHF 127.60 | CHF 119.30 |
| 200 | CHF 121.80 | CHF 113.80 |
| 300 | CHF 115.90 | CHF 108.40 |
| 400 | CHF 110.10 | CHF 102.90 |
| 500 | CHF 104.30 | CHF 97.50 |
| 600 | CHF 98.40 | CHF 92.00 |
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.