Philos SanaTel — Basel-Stadt
Basel-Stadt: the SanaTel model from Philos costs CHF 656.30 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 656.30, SanaTel is not the lowest premium here: CSS goes down to CHF 575.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'281.60 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 656.30 | CHF 610.40 |
| 500 | CHF 644.80 | CHF 599.70 |
| 1'000 | CHF 615.80 | CHF 572.70 |
| 1'500 | CHF 586.30 | CHF 545.30 |
| 2'000 | CHF 557.30 | CHF 518.30 |
| 2'500 | CHF 528.30 | CHF 491.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 511.80 | CHF 476.00 |
| 500 | CHF 500.30 | CHF 465.30 |
| 1'000 | CHF 471.30 | CHF 438.40 |
| 1'500 | CHF 441.80 | CHF 410.90 |
| 2'000 | CHF 412.80 | CHF 383.90 |
| 2'500 | CHF 383.80 | CHF 357.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 150.90 | CHF 140.30 |
| 100 | CHF 145.10 | CHF 134.90 |
| 200 | CHF 139.30 | CHF 129.50 |
| 300 | CHF 133.40 | CHF 124.00 |
| 400 | CHF 127.60 | CHF 118.60 |
| 500 | CHF 121.80 | CHF 113.20 |
| 600 | CHF 115.90 | CHF 107.80 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- 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.