Philos SanaTel — Region 2, Fribourg
Region 2, Fribourg: the SanaTel model from Philos costs CHF 518.20 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 518.20, SanaTel is not the lowest premium here: Agrisano goes down to CHF 450.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 928.80 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 518.20 | CHF 481.90 |
| 500 | CHF 506.70 | CHF 471.20 |
| 1'000 | CHF 477.70 | CHF 444.30 |
| 1'500 | CHF 448.20 | CHF 416.80 |
| 2'000 | CHF 419.20 | CHF 389.90 |
| 2'500 | CHF 390.20 | CHF 362.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 401.10 | CHF 373.00 |
| 500 | CHF 389.60 | CHF 362.30 |
| 1'000 | CHF 360.60 | CHF 335.30 |
| 1'500 | CHF 331.10 | CHF 307.90 |
| 2'000 | CHF 302.10 | CHF 280.90 |
| 2'500 | CHF 273.10 | CHF 254.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 142.50 | CHF 132.60 |
| 100 | CHF 136.70 | CHF 127.20 |
| 200 | CHF 130.90 | CHF 121.80 |
| 300 | CHF 125.00 | CHF 116.30 |
| 400 | CHF 119.20 | CHF 110.90 |
| 500 | CHF 113.40 | CHF 105.50 |
| 600 | CHF 107.50 | CHF 100.00 |
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 1
- 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.