Philos SanaTel — Region 3, Grisons
Region 3, Grisons: the SanaTel model from Philos costs CHF 463.70 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 463.70, SanaTel is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 904.80 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 463.70 | CHF 431.20 |
| 500 | CHF 452.20 | CHF 420.50 |
| 1'000 | CHF 423.20 | CHF 393.60 |
| 1'500 | CHF 393.70 | CHF 366.10 |
| 2'000 | CHF 364.70 | CHF 339.20 |
| 2'500 | CHF 335.70 | CHF 312.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 378.10 | CHF 351.70 |
| 500 | CHF 366.60 | CHF 341.00 |
| 1'000 | CHF 337.60 | CHF 314.00 |
| 1'500 | CHF 308.10 | CHF 286.60 |
| 2'000 | CHF 279.10 | CHF 259.60 |
| 2'500 | CHF 250.10 | CHF 232.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.00 | CHF 111.60 |
| 100 | CHF 114.20 | CHF 106.20 |
| 200 | CHF 108.40 | CHF 100.80 |
| 300 | CHF 102.50 | CHF 95.30 |
| 400 | CHF 96.70 | CHF 89.90 |
| 500 | CHF 90.90 | CHF 84.50 |
| 600 | CHF 85.00 | CHF 79.00 |
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 2
- 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.