Philos SanaTel — Region 1, Zurich
Region 1, Zurich: the SanaTel model from Philos costs CHF 597.00 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 597.00, SanaTel is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'165.20 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 597.00 | CHF 555.20 |
| 500 | CHF 585.50 | CHF 544.50 |
| 1'000 | CHF 556.50 | CHF 517.50 |
| 1'500 | CHF 527.00 | CHF 490.10 |
| 2'000 | CHF 498.00 | CHF 463.10 |
| 2'500 | CHF 469.00 | CHF 436.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 467.20 | CHF 434.50 |
| 500 | CHF 455.70 | CHF 423.80 |
| 1'000 | CHF 426.70 | CHF 396.80 |
| 1'500 | CHF 397.20 | CHF 369.40 |
| 2'000 | CHF 368.20 | CHF 342.40 |
| 2'500 | CHF 339.20 | CHF 315.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 166.30 | CHF 154.60 |
| 100 | CHF 160.50 | CHF 149.20 |
| 200 | CHF 154.70 | CHF 143.80 |
| 300 | CHF 148.80 | CHF 138.30 |
| 400 | CHF 143.00 | CHF 132.90 |
| 500 | CHF 137.20 | CHF 127.60 |
| 600 | CHF 131.30 | CHF 122.10 |
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.