Philos SanaTel — Region 2, Grisons
Region 2, Grisons: the SanaTel model from Philos costs CHF 484.30 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 484.30, SanaTel is not the lowest premium here: Agrisano goes down to CHF 418.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 945.60 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 484.30 | CHF 450.40 |
| 500 | CHF 472.80 | CHF 439.70 |
| 1'000 | CHF 443.80 | CHF 412.70 |
| 1'500 | CHF 414.30 | CHF 385.30 |
| 2'000 | CHF 385.30 | CHF 358.30 |
| 2'500 | CHF 356.30 | CHF 331.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 395.00 | CHF 367.30 |
| 500 | CHF 383.50 | CHF 356.60 |
| 1'000 | CHF 354.50 | CHF 329.60 |
| 1'500 | CHF 325.00 | CHF 302.20 |
| 2'000 | CHF 296.00 | CHF 275.20 |
| 2'500 | CHF 267.00 | CHF 248.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.30 | CHF 116.60 |
| 100 | CHF 119.50 | CHF 111.20 |
| 200 | CHF 113.70 | CHF 105.80 |
| 300 | CHF 107.80 | CHF 100.30 |
| 400 | CHF 102.00 | CHF 94.90 |
| 500 | CHF 96.20 | CHF 89.50 |
| 600 | CHF 90.30 | CHF 84.00 |
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
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- 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.