Philos SanaTel — Region 1, Valais
Region 1, Valais: the SanaTel model from Philos costs CHF 538.20 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 538.20, SanaTel is not the lowest premium here: Atupri goes down to CHF 481.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'051.20 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 538.20 | CHF 500.60 |
| 500 | CHF 526.70 | CHF 489.90 |
| 1'000 | CHF 497.70 | CHF 462.90 |
| 1'500 | CHF 468.20 | CHF 435.50 |
| 2'000 | CHF 439.20 | CHF 408.50 |
| 2'500 | CHF 410.20 | CHF 381.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 398.90 | CHF 371.00 |
| 500 | CHF 387.40 | CHF 360.30 |
| 1'000 | CHF 358.40 | CHF 333.30 |
| 1'500 | CHF 328.90 | CHF 305.90 |
| 2'000 | CHF 299.90 | CHF 278.90 |
| 2'500 | CHF 270.90 | CHF 252.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.20 | CHF 111.80 |
| 100 | CHF 114.40 | CHF 106.40 |
| 200 | CHF 108.60 | CHF 101.00 |
| 300 | CHF 102.70 | CHF 95.60 |
| 400 | CHF 96.90 | CHF 90.20 |
| 500 | CHF 91.10 | CHF 84.80 |
| 600 | CHF 85.20 | CHF 79.30 |
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.