sana24 Med Direct — Region 2, St. Gallen
Region 2, St. Gallen: the Med Direct model from sana24 costs CHF 509.90 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 509.90, Med Direct is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Med Direct costs CHF 390.00 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 509.90 | CHF 476.50 |
| 500 | CHF 498.20 | CHF 465.60 |
| 1'000 | CHF 469.00 | CHF 438.40 |
| 1'500 | CHF 439.90 | CHF 411.10 |
| 2'000 | CHF 410.70 | CHF 383.90 |
| 2'500 | CHF 381.50 | CHF 356.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 408.00 | CHF 381.30 |
| 500 | CHF 396.30 | CHF 370.40 |
| 1'000 | CHF 367.20 | CHF 343.20 |
| 1'500 | CHF 338.00 | CHF 315.90 |
| 2'000 | CHF 308.80 | CHF 288.60 |
| 2'500 | CHF 279.70 | CHF 261.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 139.90 | CHF 130.80 |
| 100 | CHF 134.10 | CHF 125.30 |
| 200 | CHF 128.20 | CHF 119.90 |
| 300 | CHF 122.40 | CHF 114.40 |
| 400 | CHF 116.60 | CHF 109.00 |
| 500 | CHF 110.70 | CHF 103.50 |
| 600 | CHF 104.90 | CHF 98.10 |
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 1
- 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.