Philos SanaTel — Region 2, Ticino
Region 2, Ticino: the SanaTel model from Philos costs CHF 624.50 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 624.50, SanaTel is not the lowest premium here: Agrisano goes down to CHF 539.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'220.40 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 624.50 | CHF 580.80 |
| 500 | CHF 613.00 | CHF 570.10 |
| 1'000 | CHF 584.00 | CHF 543.20 |
| 1'500 | CHF 554.50 | CHF 515.70 |
| 2'000 | CHF 525.50 | CHF 488.80 |
| 2'500 | CHF 496.50 | CHF 461.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 465.20 | CHF 432.70 |
| 500 | CHF 453.70 | CHF 422.00 |
| 1'000 | CHF 424.70 | CHF 395.00 |
| 1'500 | CHF 395.20 | CHF 367.60 |
| 2'000 | CHF 366.20 | CHF 340.60 |
| 2'500 | CHF 337.20 | CHF 313.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 151.10 | CHF 140.50 |
| 100 | CHF 145.30 | CHF 135.10 |
| 200 | CHF 139.50 | CHF 129.70 |
| 300 | CHF 133.60 | CHF 124.20 |
| 400 | CHF 127.80 | CHF 118.80 |
| 500 | CHF 122.00 | CHF 113.40 |
| 600 | CHF 116.10 | CHF 107.90 |
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
- 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.