Sanitas Médecin de famille 4 — Region 3, St. Gallen
Region 3, St. Gallen: the Médecin de famille 4 model from Sanitas costs CHF 476.55 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 476.55, Médecin de famille 4 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 4 costs CHF 430.20 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 476.55 | CHF 443.65 |
| 500 | CHF 464.95 | CHF 432.85 |
| 1'000 | CHF 435.75 | CHF 405.70 |
| 1'500 | CHF 406.55 | CHF 378.50 |
| 2'000 | CHF 377.45 | CHF 351.40 |
| 2'500 | CHF 348.25 | CHF 324.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 327.05 | CHF 304.50 |
| 500 | CHF 315.45 | CHF 293.70 |
| 1'000 | CHF 286.25 | CHF 266.50 |
| 1'500 | CHF 257.05 | CHF 239.30 |
| 2'000 | CHF 227.95 | CHF 212.20 |
| 2'500 | CHF 198.75 | CHF 185.05 |
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.