Philos SanaTel — Nidwalden
Nidwalden: the SanaTel model from Philos costs CHF 444.60 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 444.60, SanaTel is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 867.60 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 444.60 | CHF 413.50 |
| 500 | CHF 433.10 | CHF 402.80 |
| 1'000 | CHF 404.10 | CHF 375.80 |
| 1'500 | CHF 374.60 | CHF 348.40 |
| 2'000 | CHF 345.60 | CHF 321.40 |
| 2'500 | CHF 316.60 | CHF 294.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 326.30 | CHF 303.50 |
| 500 | CHF 314.80 | CHF 292.80 |
| 1'000 | CHF 285.80 | CHF 265.80 |
| 1'500 | CHF 256.30 | CHF 238.40 |
| 2'000 | CHF 227.30 | CHF 211.40 |
| 2'500 | CHF 199.30 | CHF 185.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.90 | CHF 98.50 |
| 100 | CHF 100.10 | CHF 93.10 |
| 200 | CHF 94.30 | CHF 87.70 |
| 300 | CHF 88.40 | CHF 82.20 |
| 400 | CHF 82.60 | CHF 76.80 |
| 500 | CHF 76.80 | CHF 71.50 |
| 600 | CHF 70.90 | CHF 66.00 |
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
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- 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.