Philos SanaTel — Thurgau
Thurgau: the SanaTel model from Philos costs CHF 500.70 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 500.70, SanaTel is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 976.80 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 500.70 | CHF 465.60 |
| 500 | CHF 489.20 | CHF 454.90 |
| 1'000 | CHF 460.20 | CHF 427.90 |
| 1'500 | CHF 430.70 | CHF 400.50 |
| 2'000 | CHF 401.70 | CHF 373.50 |
| 2'500 | CHF 372.70 | CHF 346.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 387.10 | CHF 360.00 |
| 500 | CHF 375.60 | CHF 349.30 |
| 1'000 | CHF 346.60 | CHF 322.30 |
| 1'500 | CHF 317.10 | CHF 294.90 |
| 2'000 | CHF 288.10 | CHF 267.90 |
| 2'500 | CHF 259.10 | CHF 240.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 132.30 | CHF 123.10 |
| 100 | CHF 126.50 | CHF 117.70 |
| 200 | CHF 120.70 | CHF 112.30 |
| 300 | CHF 114.80 | CHF 106.80 |
| 400 | CHF 109.00 | CHF 101.40 |
| 500 | CHF 103.20 | CHF 96.00 |
| 600 | CHF 97.30 | CHF 90.50 |
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
- Solothurn
- Schwyz
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.