Sanitas Médecin de famille 1 — Region 3, St. Gallen
Region 3, St. Gallen: the Médecin de famille 1 model from Sanitas costs CHF 445.80 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 445.80, Médecin de famille 1 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, Médecin de famille 1 costs CHF 799.20 less per year than Sanitas'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 445.80 | CHF 415.05 |
| 500 | CHF 434.20 | CHF 404.25 |
| 1'000 | CHF 405.00 | CHF 377.05 |
| 1'500 | CHF 375.80 | CHF 349.85 |
| 2'000 | CHF 346.70 | CHF 322.80 |
| 2'500 | CHF 317.50 | CHF 295.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 323.65 | CHF 301.30 |
| 500 | CHF 312.05 | CHF 290.50 |
| 1'000 | CHF 282.85 | CHF 263.35 |
| 1'500 | CHF 253.65 | CHF 236.15 |
| 2'000 | CHF 224.55 | CHF 209.05 |
| 2'500 | CHF 195.35 | CHF 181.85 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.30 | CHF 109.20 |
| 100 | CHF 111.50 | CHF 103.80 |
| 200 | CHF 105.70 | CHF 98.40 |
| 300 | CHF 99.80 | CHF 92.90 |
| 400 | CHF 94.00 | CHF 87.50 |
| 500 | CHF 88.20 | CHF 82.10 |
| 600 | CHF 82.30 | CHF 76.60 |
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.