Philos SanaTel — Region 1, Fribourg
Region 1, Fribourg: the SanaTel model from Philos costs CHF 557.20 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 557.20, SanaTel is not the lowest premium here: Vivao Sympany goes down to CHF 501.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 998.40 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 557.20 | CHF 518.20 |
| 500 | CHF 545.70 | CHF 507.50 |
| 1'000 | CHF 516.70 | CHF 480.50 |
| 1'500 | CHF 487.20 | CHF 453.10 |
| 2'000 | CHF 458.20 | CHF 426.10 |
| 2'500 | CHF 429.20 | CHF 399.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 431.30 | CHF 401.10 |
| 500 | CHF 419.80 | CHF 390.40 |
| 1'000 | CHF 390.80 | CHF 363.40 |
| 1'500 | CHF 361.30 | CHF 336.00 |
| 2'000 | CHF 332.30 | CHF 309.00 |
| 2'500 | CHF 303.30 | CHF 282.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 153.30 | CHF 142.50 |
| 100 | CHF 147.50 | CHF 137.10 |
| 200 | CHF 141.70 | CHF 131.80 |
| 300 | CHF 135.80 | CHF 126.30 |
| 400 | CHF 130.00 | CHF 120.90 |
| 500 | CHF 124.20 | CHF 115.50 |
| 600 | CHF 118.30 | CHF 110.00 |
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
- Basel-Stadt
- 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.