Philos SanaTel — Aargau
Aargau: the SanaTel model from Philos costs CHF 527.70 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 527.70, SanaTel is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 987.60 less per year than Philos'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 527.70 | CHF 490.80 |
| 500 | CHF 516.20 | CHF 480.10 |
| 1'000 | CHF 487.20 | CHF 453.10 |
| 1'500 | CHF 457.70 | CHF 425.70 |
| 2'000 | CHF 428.70 | CHF 398.70 |
| 2'500 | CHF 399.70 | CHF 371.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 396.70 | CHF 369.00 |
| 500 | CHF 385.20 | CHF 358.30 |
| 1'000 | CHF 356.20 | CHF 331.30 |
| 1'500 | CHF 326.70 | CHF 303.90 |
| 2'000 | CHF 297.70 | CHF 276.90 |
| 2'500 | CHF 268.70 | CHF 249.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.40 | CHF 127.80 |
| 100 | CHF 131.60 | CHF 122.40 |
| 200 | CHF 125.80 | CHF 117.00 |
| 300 | CHF 119.90 | CHF 111.50 |
| 400 | CHF 114.10 | CHF 106.10 |
| 500 | CHF 108.30 | CHF 100.70 |
| 600 | CHF 102.40 | CHF 95.20 |
The price, region by region
- 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
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.