sana24 Tel Doc — Appenzell Innerrhoden
Appenzell Innerrhoden: the Tel Doc model from sana24 costs CHF 418.90 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 418.90, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc costs CHF 558.00 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 418.90 | CHF 391.50 |
| 500 | CHF 407.20 | CHF 380.60 |
| 1'000 | CHF 378.10 | CHF 353.40 |
| 1'500 | CHF 348.90 | CHF 326.10 |
| 2'000 | CHF 319.70 | CHF 298.80 |
| 2'500 | CHF 290.60 | CHF 271.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 328.50 | CHF 307.00 |
| 500 | CHF 316.80 | CHF 296.10 |
| 1'000 | CHF 287.70 | CHF 268.90 |
| 1'500 | CHF 258.50 | CHF 241.60 |
| 2'000 | CHF 229.30 | CHF 214.40 |
| 2'500 | CHF 200.20 | CHF 187.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.00 | CHF 104.70 |
| 100 | CHF 106.20 | CHF 99.20 |
| 200 | CHF 100.30 | CHF 93.80 |
| 300 | CHF 94.50 | CHF 88.30 |
| 400 | CHF 88.70 | CHF 82.90 |
| 500 | CHF 82.80 | CHF 77.40 |
| 600 | CHF 77.00 | CHF 72.00 |
The price, region by region
- Aargau
- 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
- 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.