Sanitas Médecin de famille 4 — Region 1, St. Gallen
Region 1, St. Gallen: the Médecin de famille 4 model from Sanitas costs CHF 512.70 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 512.70, Médecin de famille 4 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, Médecin de famille 4 costs CHF 463.20 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 512.70 | CHF 477.30 |
| 500 | CHF 501.10 | CHF 466.50 |
| 1'000 | CHF 471.90 | CHF 439.35 |
| 1'500 | CHF 442.70 | CHF 412.15 |
| 2'000 | CHF 413.60 | CHF 385.05 |
| 2'500 | CHF 384.40 | CHF 357.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 351.85 | CHF 327.55 |
| 500 | CHF 340.25 | CHF 316.75 |
| 1'000 | CHF 311.05 | CHF 289.60 |
| 1'500 | CHF 281.85 | CHF 262.40 |
| 2'000 | CHF 252.75 | CHF 235.30 |
| 2'500 | CHF 223.55 | CHF 208.15 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.20 | CHF 117.50 |
| 100 | CHF 120.40 | CHF 112.10 |
| 200 | CHF 114.60 | CHF 106.70 |
| 300 | CHF 108.70 | CHF 101.20 |
| 400 | CHF 102.90 | CHF 95.80 |
| 500 | CHF 97.10 | CHF 90.40 |
| 600 | CHF 91.20 | CHF 84.90 |
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.