sana24 Tel Doc — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Tel Doc model from sana24 costs CHF 482.10 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 482.10, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 788.40 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 482.10 | CHF 450.60 |
| 500 | CHF 470.40 | CHF 439.70 |
| 1'000 | CHF 441.30 | CHF 412.40 |
| 1'500 | CHF 412.10 | CHF 385.20 |
| 2'000 | CHF 382.90 | CHF 357.90 |
| 2'500 | CHF 353.80 | CHF 330.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.10 | CHF 341.20 |
| 500 | CHF 353.40 | CHF 330.30 |
| 1'000 | CHF 324.20 | CHF 303.00 |
| 1'500 | CHF 295.10 | CHF 275.80 |
| 2'000 | CHF 265.90 | CHF 248.50 |
| 2'500 | CHF 236.70 | CHF 221.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 135.60 | CHF 126.80 |
| 100 | CHF 129.80 | CHF 121.30 |
| 200 | CHF 123.90 | CHF 115.90 |
| 300 | CHF 118.10 | CHF 110.40 |
| 400 | CHF 112.30 | CHF 105.00 |
| 500 | CHF 106.40 | CHF 99.50 |
| 600 | CHF 100.60 | CHF 94.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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
- 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.