Philos SanaTel — Region 2, Schaffhausen
Region 2, Schaffhausen: the SanaTel model from Philos costs CHF 509.50 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 509.50, SanaTel is not the lowest premium here: Agrisano goes down to CHF 433.80. 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 509.50 | CHF 473.90 |
| 500 | CHF 498.00 | CHF 463.20 |
| 1'000 | CHF 469.00 | CHF 436.20 |
| 1'500 | CHF 439.50 | CHF 408.80 |
| 2'000 | CHF 410.50 | CHF 381.80 |
| 2'500 | CHF 381.50 | CHF 354.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 398.80 | CHF 370.90 |
| 500 | CHF 387.30 | CHF 360.20 |
| 1'000 | CHF 358.30 | CHF 333.20 |
| 1'500 | CHF 328.80 | CHF 305.80 |
| 2'000 | CHF 299.80 | CHF 278.80 |
| 2'500 | CHF 270.80 | CHF 251.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.00 | CHF 108.80 |
| 100 | CHF 111.20 | CHF 103.40 |
| 200 | CHF 105.40 | CHF 98.00 |
| 300 | CHF 99.50 | CHF 92.60 |
| 400 | CHF 93.70 | CHF 87.20 |
| 500 | CHF 87.90 | CHF 81.80 |
| 600 | CHF 82.00 | CHF 76.30 |
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 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- 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.