PrimaFlex or SanaTel — Zug
Zug: with Philos, PrimaFlex costs CHF 385.70 a month in 2026 and SanaTel CHF 387.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PrimaFlex is the cheaper of the two here: CHF 26.40 saved per year against SanaTel, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaFlex and SanaTel are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | PrimaFlex | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 385.70 | CHF 387.90 | CHF 26.40 |
| 500 | CHF 374.70 | CHF 376.40 | CHF 20.40 |
| 1'000 | CHF 347.20 | CHF 347.40 | CHF 2.40 |
| 1'500 | CHF 319.20 | CHF 317.90 | CHF 15.60 |
| 2'000 | CHF 291.60 | CHF 288.90 | CHF 32.40 |
| 2'500 | CHF 264.10 | CHF 259.90 | CHF 50.40 |
The comparison, region by region
- PrimaFlex or SanaTel?
- 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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — 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.