Philos SanaTel — Region 2, Lucerne
Region 2, Lucerne: the SanaTel model from Philos costs CHF 488.00 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 488.00, SanaTel is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 914.40 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 488.00 | CHF 453.80 |
| 500 | CHF 476.50 | CHF 443.20 |
| 1'000 | CHF 447.50 | CHF 416.20 |
| 1'500 | CHF 418.00 | CHF 388.70 |
| 2'000 | CHF 389.00 | CHF 361.80 |
| 2'500 | CHF 360.00 | CHF 334.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.00 | CHF 339.40 |
| 500 | CHF 353.50 | CHF 328.70 |
| 1'000 | CHF 324.50 | CHF 301.80 |
| 1'500 | CHF 295.00 | CHF 274.30 |
| 2'000 | CHF 266.00 | CHF 247.40 |
| 2'500 | CHF 237.00 | CHF 220.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.30 | CHF 111.80 |
| 100 | CHF 114.50 | CHF 106.50 |
| 200 | CHF 108.70 | CHF 101.10 |
| 300 | CHF 102.80 | CHF 95.60 |
| 400 | CHF 97.00 | CHF 90.20 |
| 500 | CHF 91.20 | CHF 84.80 |
| 600 | CHF 85.30 | CHF 79.30 |
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 1
- 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.