Philos SanaTel — Region 2, St. Gallen
Region 2, St. Gallen: the SanaTel model from Philos costs CHF 521.20 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 521.20, SanaTel is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'017.60 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 521.20 | CHF 484.70 |
| 500 | CHF 509.70 | CHF 474.00 |
| 1'000 | CHF 480.70 | CHF 447.00 |
| 1'500 | CHF 451.20 | CHF 419.60 |
| 2'000 | CHF 422.20 | CHF 392.60 |
| 2'500 | CHF 393.20 | CHF 365.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 401.90 | CHF 373.80 |
| 500 | CHF 390.40 | CHF 363.10 |
| 1'000 | CHF 361.40 | CHF 336.10 |
| 1'500 | CHF 331.90 | CHF 308.70 |
| 2'000 | CHF 302.90 | CHF 281.70 |
| 2'500 | CHF 273.90 | CHF 254.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.70 | CHF 115.90 |
| 100 | CHF 118.90 | CHF 110.50 |
| 200 | CHF 113.10 | CHF 105.20 |
| 300 | CHF 107.20 | CHF 99.70 |
| 400 | CHF 101.40 | CHF 94.30 |
| 500 | CHF 95.60 | CHF 88.90 |
| 600 | CHF 89.70 | CHF 83.40 |
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 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.