Sumiswalder Telmed — Region 3, St. Gallen
Region 3, St. Gallen: the Telmed model from Sumiswalder costs CHF 455.00 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 455.00, Telmed 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, Telmed costs CHF 474.00 less per year than Sumiswalder'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 455.00 | CHF 423.20 |
| 500 | CHF 443.40 | CHF 412.40 |
| 1'000 | CHF 414.30 | CHF 385.30 |
| 1'500 | CHF 385.00 | CHF 358.10 |
| 2'000 | CHF 355.90 | CHF 331.00 |
| 2'500 | CHF 326.70 | CHF 303.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 335.60 | CHF 312.10 |
| 500 | CHF 324.00 | CHF 301.40 |
| 1'000 | CHF 294.80 | CHF 274.20 |
| 1'500 | CHF 265.60 | CHF 247.10 |
| 2'000 | CHF 240.60 | CHF 223.80 |
| 2'500 | CHF 215.60 | CHF 200.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.70 | CHF 97.40 |
| 100 | CHF 98.90 | CHF 92.00 |
| 200 | CHF 93.10 | CHF 86.60 |
| 300 | CHF 87.20 | CHF 81.10 |
| 400 | CHF 81.50 | CHF 75.80 |
| 500 | CHF 75.60 | CHF 70.40 |
| 600 | CHF 69.70 | CHF 64.90 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 1
- Valais — Region 2
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.