Philos SanaTel — Region 3, St. Gallen
Region 3, St. Gallen: the SanaTel model from Philos costs CHF 515.50 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 515.50, SanaTel is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'006.80 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 515.50 | CHF 479.40 |
| 500 | CHF 504.00 | CHF 468.70 |
| 1'000 | CHF 475.00 | CHF 441.70 |
| 1'500 | CHF 445.50 | CHF 414.30 |
| 2'000 | CHF 416.50 | CHF 387.30 |
| 2'500 | CHF 387.50 | CHF 360.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 397.50 | CHF 369.70 |
| 500 | CHF 386.00 | CHF 359.00 |
| 1'000 | CHF 357.00 | CHF 332.00 |
| 1'500 | CHF 327.50 | CHF 304.60 |
| 2'000 | CHF 298.50 | CHF 277.60 |
| 2'500 | CHF 269.50 | CHF 250.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.30 | CHF 114.70 |
| 100 | CHF 117.50 | CHF 109.30 |
| 200 | CHF 111.70 | CHF 103.90 |
| 300 | CHF 105.80 | CHF 98.40 |
| 400 | CHF 100.00 | CHF 93.00 |
| 500 | CHF 94.20 | CHF 87.60 |
| 600 | CHF 88.30 | CHF 82.10 |
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
- 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.