Philos SanaTel — Region 2, Bern
Region 2, Bern: the SanaTel model from Philos costs CHF 557.80 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 557.80, SanaTel is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'134.00 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 557.80 | CHF 518.70 |
| 500 | CHF 546.30 | CHF 508.00 |
| 1'000 | CHF 517.30 | CHF 481.10 |
| 1'500 | CHF 487.80 | CHF 453.60 |
| 2'000 | CHF 458.80 | CHF 426.60 |
| 2'500 | CHF 429.80 | CHF 399.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 398.00 | CHF 370.10 |
| 500 | CHF 386.50 | CHF 359.40 |
| 1'000 | CHF 357.50 | CHF 332.40 |
| 1'500 | CHF 328.00 | CHF 305.00 |
| 2'000 | CHF 299.00 | CHF 278.00 |
| 2'500 | CHF 270.00 | CHF 251.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.90 | CHF 117.10 |
| 100 | CHF 120.10 | CHF 111.70 |
| 200 | CHF 114.30 | CHF 106.30 |
| 300 | CHF 108.40 | CHF 100.80 |
| 400 | CHF 102.60 | CHF 95.40 |
| 500 | CHF 96.80 | CHF 90.00 |
| 600 | CHF 90.90 | CHF 84.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.