Philos SanaTel — Region 1, Grisons
Region 1, Grisons: the SanaTel model from Philos costs CHF 515.20 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 515.20, SanaTel is not the lowest premium here: Sanitas goes down to CHF 453.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'005.60 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 515.20 | CHF 479.10 |
| 500 | CHF 503.70 | CHF 468.40 |
| 1'000 | CHF 474.70 | CHF 441.50 |
| 1'500 | CHF 445.20 | CHF 414.00 |
| 2'000 | CHF 416.20 | CHF 387.10 |
| 2'500 | CHF 387.20 | CHF 360.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 420.20 | CHF 390.80 |
| 500 | CHF 408.70 | CHF 380.10 |
| 1'000 | CHF 379.70 | CHF 353.10 |
| 1'500 | CHF 350.20 | CHF 325.70 |
| 2'000 | CHF 321.20 | CHF 298.70 |
| 2'500 | CHF 292.20 | CHF 271.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.30 | CHF 124.00 |
| 100 | CHF 127.50 | CHF 118.60 |
| 200 | CHF 121.70 | CHF 113.20 |
| 300 | CHF 115.80 | CHF 107.70 |
| 400 | CHF 110.00 | CHF 102.30 |
| 500 | CHF 104.20 | CHF 96.90 |
| 600 | CHF 98.30 | CHF 91.40 |
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
- Glarus
- 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.