Philos SanaTel — Region 1, Bern
Region 1, Bern: the SanaTel model from Philos costs CHF 612.90 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 612.90, SanaTel is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'246.80 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 612.90 | CHF 570.00 |
| 500 | CHF 601.40 | CHF 559.30 |
| 1'000 | CHF 572.40 | CHF 532.30 |
| 1'500 | CHF 542.90 | CHF 504.90 |
| 2'000 | CHF 513.90 | CHF 477.90 |
| 2'500 | CHF 484.90 | CHF 451.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 437.30 | CHF 406.70 |
| 500 | CHF 425.80 | CHF 396.00 |
| 1'000 | CHF 396.80 | CHF 369.00 |
| 1'500 | CHF 367.30 | CHF 341.60 |
| 2'000 | CHF 338.30 | CHF 314.60 |
| 2'500 | CHF 309.30 | CHF 287.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 138.40 | CHF 128.70 |
| 100 | CHF 132.60 | CHF 123.30 |
| 200 | CHF 126.80 | CHF 117.90 |
| 300 | CHF 120.90 | CHF 112.40 |
| 400 | CHF 115.10 | CHF 107.00 |
| 500 | CHF 109.30 | CHF 101.60 |
| 600 | CHF 103.40 | CHF 96.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.