Philos SanaTel — Glarus
Glarus: the SanaTel model from Philos costs CHF 447.20 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 447.20, SanaTel is not the lowest premium here: Agrisano goes down to CHF 433.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 873.60 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 447.20 | CHF 415.90 |
| 500 | CHF 435.70 | CHF 405.30 |
| 1'000 | CHF 406.70 | CHF 378.30 |
| 1'500 | CHF 377.20 | CHF 350.80 |
| 2'000 | CHF 348.20 | CHF 323.90 |
| 2'500 | CHF 319.20 | CHF 296.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 354.50 | CHF 329.70 |
| 500 | CHF 343.00 | CHF 319.00 |
| 1'000 | CHF 314.00 | CHF 292.00 |
| 1'500 | CHF 284.50 | CHF 264.60 |
| 2'000 | CHF 255.50 | CHF 237.60 |
| 2'500 | CHF 226.50 | CHF 210.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.90 | CHF 105.90 |
| 100 | CHF 108.10 | CHF 100.50 |
| 200 | CHF 102.30 | CHF 95.10 |
| 300 | CHF 96.40 | CHF 89.60 |
| 400 | CHF 90.60 | CHF 84.30 |
| 500 | CHF 84.80 | CHF 78.90 |
| 600 | CHF 78.90 | CHF 73.40 |
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
- Fribourg — Region 2
- Geneva
- 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.