sana24 Tel Doc — Region 1, St. Gallen
Region 1, St. Gallen: the Tel Doc model from sana24 costs CHF 521.20 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 521.20, Tel Doc 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, Tel Doc costs CHF 640.80 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 521.20 | CHF 487.10 |
| 500 | CHF 509.50 | CHF 476.20 |
| 1'000 | CHF 480.40 | CHF 449.00 |
| 1'500 | CHF 451.20 | CHF 421.70 |
| 2'000 | CHF 422.00 | CHF 394.40 |
| 2'500 | CHF 392.90 | CHF 367.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 398.70 | CHF 372.60 |
| 500 | CHF 387.00 | CHF 361.70 |
| 1'000 | CHF 357.80 | CHF 334.40 |
| 1'500 | CHF 328.70 | CHF 307.20 |
| 2'000 | CHF 299.50 | CHF 279.90 |
| 2'500 | CHF 270.30 | CHF 252.70 |
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 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 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.