Sanitas Médecin de famille 4 — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Médecin de famille 4 model from Sanitas costs CHF 479.60 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 479.60, Médecin de famille 4 is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille 4 costs CHF 433.20 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 479.60 | CHF 446.50 |
| 500 | CHF 468.00 | CHF 435.70 |
| 1'000 | CHF 438.80 | CHF 408.50 |
| 1'500 | CHF 409.60 | CHF 381.35 |
| 2'000 | CHF 380.50 | CHF 354.25 |
| 2'500 | CHF 351.30 | CHF 327.05 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 336.15 | CHF 312.95 |
| 500 | CHF 324.55 | CHF 302.15 |
| 1'000 | CHF 295.35 | CHF 274.95 |
| 1'500 | CHF 266.15 | CHF 247.80 |
| 2'000 | CHF 237.05 | CHF 220.70 |
| 2'500 | CHF 207.85 | CHF 193.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.55 | CHF 109.45 |
| 100 | CHF 111.75 | CHF 104.05 |
| 200 | CHF 105.95 | CHF 98.65 |
| 300 | CHF 100.05 | CHF 93.15 |
| 400 | CHF 94.25 | CHF 87.75 |
| 500 | CHF 88.45 | CHF 82.35 |
| 600 | CHF 82.55 | CHF 76.85 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.