Philos SanaTel — Uri
Uri: the SanaTel model from Philos costs CHF 484.80 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 484.80, SanaTel is not the lowest premium here: Agrisano goes down to CHF 376.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 946.80 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 484.80 | CHF 450.90 |
| 500 | CHF 473.30 | CHF 440.20 |
| 1'000 | CHF 444.30 | CHF 413.20 |
| 1'500 | CHF 414.80 | CHF 385.80 |
| 2'000 | CHF 385.80 | CHF 358.80 |
| 2'500 | CHF 356.80 | CHF 331.90 |
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 116.70 | CHF 108.50 |
| 100 | CHF 110.90 | CHF 103.10 |
| 200 | CHF 105.10 | CHF 97.70 |
| 300 | CHF 99.20 | CHF 92.20 |
| 400 | CHF 93.40 | CHF 86.80 |
| 500 | CHF 87.60 | CHF 81.40 |
| 600 | CHF 81.70 | CHF 76.00 |
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.