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Sophie

PrimaCare or SanaTel — Region 2, Grisons

Region 2, Grisons: with Philos, PrimaCare costs CHF 504.00 a month in 2026 and SanaTel CHF 484.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

SanaTel is the cheaper of the two here: CHF 236.40 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

PrimaCare is a "Family doctor" model. SanaTel is a "Telemedicine and others" model.

  • PrimaCare

    Family doctor

    You pick a family doctor and always go to them first.

  • SanaTel

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductiblePrimaCareSanaTelGap per year
300CHF 504.00CHF 484.30CHF 236.40
500CHF 492.50CHF 472.80CHF 236.40
1'000CHF 463.50CHF 443.80CHF 236.40
1'500CHF 434.00CHF 414.30CHF 236.40
2'000CHF 405.00CHF 385.30CHF 236.40
2'500CHF 376.00CHF 356.30CHF 236.40

The comparison, region by region

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.