Philos SanaTel — Region 2, Zurich
Region 2, Zurich: the SanaTel model from Philos costs CHF 531.30 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 531.30, SanaTel is not the lowest premium here: Agrisano goes down to CHF 467.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SanaTel costs CHF 1'038.00 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 531.30 | CHF 494.10 |
| 500 | CHF 519.80 | CHF 483.40 |
| 1'000 | CHF 490.80 | CHF 456.50 |
| 1'500 | CHF 461.30 | CHF 429.00 |
| 2'000 | CHF 432.30 | CHF 402.10 |
| 2'500 | CHF 403.30 | CHF 375.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 415.80 | CHF 386.70 |
| 500 | CHF 404.30 | CHF 376.00 |
| 1'000 | CHF 375.30 | CHF 349.00 |
| 1'500 | CHF 345.80 | CHF 321.60 |
| 2'000 | CHF 316.80 | CHF 294.60 |
| 2'500 | CHF 287.80 | CHF 267.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 148.00 | CHF 137.60 |
| 100 | CHF 142.20 | CHF 132.20 |
| 200 | CHF 136.40 | CHF 126.80 |
| 300 | CHF 130.50 | CHF 121.30 |
| 400 | CHF 124.70 | CHF 115.90 |
| 500 | CHF 118.90 | CHF 110.60 |
| 600 | CHF 113.00 | CHF 105.10 |
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.