Philos SanaTel — Region 1, St. Gallen
Region 1, St. Gallen: the SanaTel model from Philos costs CHF 572.70 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 572.70, SanaTel is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'118.40 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 572.70 | CHF 532.60 |
| 500 | CHF 561.20 | CHF 521.90 |
| 1'000 | CHF 532.20 | CHF 495.00 |
| 1'500 | CHF 502.70 | CHF 467.50 |
| 2'000 | CHF 473.70 | CHF 440.60 |
| 2'500 | CHF 444.70 | CHF 413.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 441.70 | CHF 410.80 |
| 500 | CHF 430.20 | CHF 400.10 |
| 1'000 | CHF 401.20 | CHF 373.10 |
| 1'500 | CHF 371.70 | CHF 345.70 |
| 2'000 | CHF 342.70 | CHF 318.70 |
| 2'500 | CHF 313.70 | CHF 291.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.00 | CHF 127.40 |
| 100 | CHF 131.20 | CHF 122.00 |
| 200 | CHF 125.40 | CHF 116.60 |
| 300 | CHF 119.50 | CHF 111.10 |
| 400 | CHF 113.70 | CHF 105.70 |
| 500 | CHF 107.90 | CHF 100.30 |
| 600 | CHF 102.00 | CHF 94.80 |
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 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.