Sanitas Médecin de famille 3 — Thurgau
Thurgau: the Médecin de famille 3 model from Sanitas costs CHF 495.15 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 495.15, Médecin de famille 3 is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille 3 costs CHF 447.00 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 495.15 | CHF 461.00 |
| 500 | CHF 483.55 | CHF 450.20 |
| 1'000 | CHF 454.35 | CHF 423.00 |
| 1'500 | CHF 425.15 | CHF 395.80 |
| 2'000 | CHF 396.05 | CHF 368.70 |
| 2'500 | CHF 366.85 | CHF 341.55 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 349.10 | CHF 325.00 |
| 500 | CHF 337.50 | CHF 314.20 |
| 1'000 | CHF 308.30 | CHF 287.05 |
| 1'500 | CHF 279.10 | CHF 259.85 |
| 2'000 | CHF 250.00 | CHF 232.75 |
| 2'500 | CHF 220.80 | CHF 205.55 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.45 | CHF 115.85 |
| 100 | CHF 118.65 | CHF 110.45 |
| 200 | CHF 112.85 | CHF 105.05 |
| 300 | CHF 106.95 | CHF 99.55 |
| 400 | CHF 101.15 | CHF 94.15 |
| 500 | CHF 95.35 | CHF 88.75 |
| 600 | CHF 89.45 | CHF 83.30 |
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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.