Philos SanaTel — Region 3, Lucerne
Region 3, Lucerne: the SanaTel model from Philos costs CHF 470.00 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 470.00, SanaTel is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 880.80 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 470.00 | CHF 437.10 |
| 500 | CHF 458.50 | CHF 426.40 |
| 1'000 | CHF 429.50 | CHF 399.50 |
| 1'500 | CHF 400.00 | CHF 372.00 |
| 2'000 | CHF 371.00 | CHF 345.10 |
| 2'500 | CHF 342.00 | CHF 318.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 351.50 | CHF 326.90 |
| 500 | CHF 340.00 | CHF 316.20 |
| 1'000 | CHF 311.00 | CHF 289.30 |
| 1'500 | CHF 281.50 | CHF 261.80 |
| 2'000 | CHF 252.50 | CHF 234.90 |
| 2'500 | CHF 223.50 | CHF 207.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.80 | CHF 107.70 |
| 100 | CHF 110.00 | CHF 102.30 |
| 200 | CHF 104.20 | CHF 96.90 |
| 300 | CHF 98.30 | CHF 91.50 |
| 400 | CHF 92.50 | CHF 86.10 |
| 500 | CHF 86.70 | CHF 80.70 |
| 600 | CHF 80.80 | CHF 75.20 |
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 1
- Lucerne — Region 2
- 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.