sana24 Med Direct — Region 1, St. Gallen
Region 1, St. Gallen: the Med Direct model from sana24 costs CHF 538.40 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 538.40, Med Direct 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, Med Direct costs CHF 434.40 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 538.40 | CHF 503.20 |
| 500 | CHF 526.80 | CHF 492.30 |
| 1'000 | CHF 497.60 | CHF 465.10 |
| 1'500 | CHF 468.40 | CHF 437.80 |
| 2'000 | CHF 439.30 | CHF 410.50 |
| 2'500 | CHF 410.10 | CHF 383.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 430.80 | CHF 402.70 |
| 500 | CHF 419.20 | CHF 391.80 |
| 1'000 | CHF 390.00 | CHF 364.50 |
| 1'500 | CHF 360.80 | CHF 337.20 |
| 2'000 | CHF 331.70 | CHF 310.00 |
| 2'500 | CHF 302.50 | CHF 282.70 |
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 Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- 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.