Philos SanaTel — Region 1, Schaffhausen
Region 1, Schaffhausen: the SanaTel model from Philos costs CHF 542.10 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 542.10, SanaTel is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 970.80 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 542.10 | CHF 504.10 |
| 500 | CHF 530.60 | CHF 493.40 |
| 1'000 | CHF 501.60 | CHF 466.50 |
| 1'500 | CHF 472.10 | CHF 439.00 |
| 2'000 | CHF 443.10 | CHF 412.00 |
| 2'500 | CHF 414.10 | CHF 385.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 424.30 | CHF 394.60 |
| 500 | CHF 412.80 | CHF 383.90 |
| 1'000 | CHF 383.80 | CHF 356.90 |
| 1'500 | CHF 354.30 | CHF 329.50 |
| 2'000 | CHF 325.30 | CHF 302.50 |
| 2'500 | CHF 296.30 | CHF 275.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.50 | CHF 115.80 |
| 100 | CHF 118.70 | CHF 110.40 |
| 200 | CHF 112.90 | CHF 105.00 |
| 300 | CHF 107.00 | CHF 99.50 |
| 400 | CHF 101.20 | CHF 94.10 |
| 500 | CHF 95.40 | CHF 88.70 |
| 600 | CHF 89.50 | CHF 83.20 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.