sana24 Tel Doc — Region 3, St. Gallen
Region 3, St. Gallen: the Tel Doc model from sana24 costs CHF 481.00 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 481.00, Tel Doc is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Tel Doc 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 481.00 | CHF 449.60 |
| 500 | CHF 469.40 | CHF 438.70 |
| 1'000 | CHF 440.20 | CHF 411.40 |
| 1'500 | CHF 411.00 | CHF 384.20 |
| 2'000 | CHF 381.90 | CHF 356.90 |
| 2'500 | CHF 352.70 | CHF 329.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 368.40 | CHF 344.30 |
| 500 | CHF 356.70 | CHF 333.40 |
| 1'000 | CHF 327.50 | CHF 306.10 |
| 1'500 | CHF 298.40 | CHF 278.90 |
| 2'000 | CHF 269.20 | CHF 251.60 |
| 2'500 | CHF 240.00 | CHF 224.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.40 | CHF 124.70 |
| 100 | CHF 127.60 | CHF 119.30 |
| 200 | CHF 121.80 | CHF 113.80 |
| 300 | CHF 115.90 | CHF 108.40 |
| 400 | CHF 110.10 | CHF 102.90 |
| 500 | CHF 104.30 | CHF 97.50 |
| 600 | CHF 98.40 | CHF 92.00 |
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 1
- St. Gallen — Region 2
- 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.