Philos SanaTel — Region 2, Valais
Region 2, Valais: the SanaTel model from Philos costs CHF 505.90 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 505.90, SanaTel is not the lowest premium here: Agrisano goes down to CHF 406.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 988.80 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 505.90 | CHF 470.50 |
| 500 | CHF 494.40 | CHF 459.80 |
| 1'000 | CHF 465.40 | CHF 432.90 |
| 1'500 | CHF 435.90 | CHF 405.40 |
| 2'000 | CHF 406.90 | CHF 378.50 |
| 2'500 | CHF 377.90 | CHF 351.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 375.00 | CHF 348.70 |
| 500 | CHF 363.50 | CHF 338.00 |
| 1'000 | CHF 334.50 | CHF 311.10 |
| 1'500 | CHF 305.00 | CHF 283.60 |
| 2'000 | CHF 276.00 | CHF 256.70 |
| 2'500 | CHF 247.00 | CHF 229.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.00 | CHF 105.10 |
| 100 | CHF 107.20 | CHF 99.70 |
| 200 | CHF 101.40 | CHF 94.30 |
| 300 | CHF 95.50 | CHF 88.90 |
| 400 | CHF 89.70 | CHF 83.50 |
| 500 | CHF 83.90 | CHF 78.10 |
| 600 | CHF 78.00 | CHF 72.60 |
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.