Philos SanaTel — Region 1, Lucerne
Region 1, Lucerne: the SanaTel model from Philos costs CHF 513.70 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 513.70, SanaTel is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 961.20 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 513.70 | CHF 477.70 |
| 500 | CHF 502.20 | CHF 467.00 |
| 1'000 | CHF 473.20 | CHF 440.10 |
| 1'500 | CHF 443.70 | CHF 412.60 |
| 2'000 | CHF 414.70 | CHF 385.70 |
| 2'500 | CHF 385.70 | CHF 358.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 384.20 | CHF 357.30 |
| 500 | CHF 372.70 | CHF 346.60 |
| 1'000 | CHF 343.70 | CHF 319.60 |
| 1'500 | CHF 314.20 | CHF 292.20 |
| 2'000 | CHF 285.20 | CHF 265.20 |
| 2'500 | CHF 256.20 | CHF 238.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.60 | CHF 117.70 |
| 100 | CHF 120.80 | CHF 112.30 |
| 200 | CHF 115.00 | CHF 106.90 |
| 300 | CHF 109.10 | CHF 101.50 |
| 400 | CHF 103.30 | CHF 96.10 |
| 500 | CHF 97.50 | CHF 90.70 |
| 600 | CHF 91.60 | CHF 85.20 |
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
- Grisons — Region 3
- Jura
- 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.