Philos SanaTel — Appenzell Innerrhoden
Appenzell Innerrhoden: the SanaTel model from Philos costs CHF 405.00 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 405.00, SanaTel is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 790.80 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 405.00 | CHF 376.70 |
| 500 | CHF 393.50 | CHF 366.00 |
| 1'000 | CHF 364.50 | CHF 339.00 |
| 1'500 | CHF 335.00 | CHF 311.60 |
| 2'000 | CHF 306.00 | CHF 284.60 |
| 2'500 | CHF 277.00 | CHF 257.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 331.50 | CHF 308.30 |
| 500 | CHF 320.00 | CHF 297.60 |
| 1'000 | CHF 291.00 | CHF 270.60 |
| 1'500 | CHF 261.50 | CHF 243.20 |
| 2'000 | CHF 232.50 | CHF 216.20 |
| 2'500 | CHF 203.50 | CHF 189.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.00 | CHF 104.20 |
| 100 | CHF 106.20 | CHF 98.80 |
| 200 | CHF 100.40 | CHF 93.40 |
| 300 | CHF 94.50 | CHF 87.90 |
| 400 | CHF 88.70 | CHF 82.50 |
| 500 | CHF 82.90 | CHF 77.10 |
| 600 | CHF 77.00 | CHF 71.60 |
The price, region by region
- Aargau
- 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.