Philos SanaTel — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the SanaTel model from Philos costs CHF 525.40 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 525.40, SanaTel is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'026.00 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 525.40 | CHF 488.60 |
| 500 | CHF 513.90 | CHF 478.00 |
| 1'000 | CHF 484.90 | CHF 451.00 |
| 1'500 | CHF 455.40 | CHF 423.50 |
| 2'000 | CHF 426.40 | CHF 396.60 |
| 2'500 | CHF 397.40 | CHF 369.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 408.30 | CHF 379.70 |
| 500 | CHF 396.80 | CHF 369.00 |
| 1'000 | CHF 367.80 | CHF 342.10 |
| 1'500 | CHF 338.30 | CHF 314.60 |
| 2'000 | CHF 309.30 | CHF 287.70 |
| 2'500 | CHF 280.30 | CHF 260.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.40 | CHF 115.70 |
| 100 | CHF 118.60 | CHF 110.30 |
| 200 | CHF 112.80 | CHF 104.90 |
| 300 | CHF 106.90 | CHF 99.40 |
| 400 | CHF 101.10 | CHF 94.00 |
| 500 | CHF 95.30 | CHF 88.60 |
| 600 | CHF 89.40 | CHF 83.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.