Philos SanaTel — Region 3, Bern
Region 3, Bern: the SanaTel model from Philos costs CHF 539.40 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 539.40, SanaTel is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'096.80 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 539.40 | CHF 501.60 |
| 500 | CHF 527.90 | CHF 490.90 |
| 1'000 | CHF 498.90 | CHF 464.00 |
| 1'500 | CHF 469.40 | CHF 436.50 |
| 2'000 | CHF 440.40 | CHF 409.50 |
| 2'500 | CHF 411.40 | CHF 382.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 384.80 | CHF 357.90 |
| 500 | CHF 373.30 | CHF 347.20 |
| 1'000 | CHF 344.30 | CHF 320.20 |
| 1'500 | CHF 314.80 | CHF 292.80 |
| 2'000 | CHF 285.80 | CHF 265.80 |
| 2'500 | CHF 256.80 | CHF 238.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 121.80 | CHF 113.20 |
| 100 | CHF 116.00 | CHF 107.80 |
| 200 | CHF 110.20 | CHF 102.50 |
| 300 | CHF 104.30 | CHF 97.00 |
| 400 | CHF 98.50 | CHF 91.60 |
| 500 | CHF 92.70 | CHF 86.20 |
| 600 | CHF 86.80 | CHF 80.70 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.