Philos SanaTel — Obwalden
Obwalden: the SanaTel model from Philos costs CHF 448.00 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 448.00, SanaTel is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 874.80 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 448.00 | CHF 416.70 |
| 500 | CHF 436.50 | CHF 406.00 |
| 1'000 | CHF 407.50 | CHF 379.00 |
| 1'500 | CHF 378.00 | CHF 351.60 |
| 2'000 | CHF 349.00 | CHF 324.60 |
| 2'500 | CHF 320.00 | CHF 297.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 345.90 | CHF 321.70 |
| 500 | CHF 334.40 | CHF 311.00 |
| 1'000 | CHF 305.40 | CHF 284.00 |
| 1'500 | CHF 275.90 | CHF 256.60 |
| 2'000 | CHF 246.90 | CHF 229.60 |
| 2'500 | CHF 217.90 | CHF 202.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 109.90 | CHF 102.20 |
| 100 | CHF 104.10 | CHF 96.80 |
| 200 | CHF 98.30 | CHF 91.40 |
| 300 | CHF 92.40 | CHF 85.90 |
| 400 | CHF 86.60 | CHF 80.50 |
| 500 | CHF 80.80 | CHF 75.10 |
| 600 | CHF 74.90 | CHF 69.60 |
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
- Nidwalden
- 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.