Philos SanaTel — Solothurn
Solothurn: the SanaTel model from Philos costs CHF 552.10 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 552.10, SanaTel is not the lowest premium here: Agrisano goes down to CHF 486.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'077.60 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 552.10 | CHF 513.40 |
| 500 | CHF 540.60 | CHF 502.70 |
| 1'000 | CHF 511.60 | CHF 475.80 |
| 1'500 | CHF 482.10 | CHF 448.30 |
| 2'000 | CHF 453.10 | CHF 421.40 |
| 2'500 | CHF 424.10 | CHF 394.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 426.50 | CHF 396.70 |
| 500 | CHF 415.00 | CHF 386.00 |
| 1'000 | CHF 386.00 | CHF 359.00 |
| 1'500 | CHF 356.50 | CHF 331.60 |
| 2'000 | CHF 327.50 | CHF 304.60 |
| 2'500 | CHF 298.50 | CHF 277.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.40 | CHF 119.40 |
| 100 | CHF 122.60 | CHF 114.00 |
| 200 | CHF 116.80 | CHF 108.60 |
| 300 | CHF 110.90 | CHF 103.10 |
| 400 | CHF 105.10 | CHF 97.70 |
| 500 | CHF 99.30 | CHF 92.30 |
| 600 | CHF 93.40 | CHF 86.90 |
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
- Schaffhausen — Region 2
- 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.