Avenir PrimaFlex — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the PrimaFlex model from Avenir costs CHF 501.20 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 501.20, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 819.60 less per year than Avenir'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 501.20 | CHF 466.10 |
| 500 | CHF 490.20 | CHF 455.90 |
| 1'000 | CHF 462.70 | CHF 430.30 |
| 1'500 | CHF 434.70 | CHF 404.30 |
| 2'000 | CHF 407.10 | CHF 378.60 |
| 2'500 | CHF 379.60 | CHF 353.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 361.60 | CHF 336.30 |
| 500 | CHF 350.10 | CHF 325.60 |
| 1'000 | CHF 321.10 | CHF 298.60 |
| 1'500 | CHF 291.60 | CHF 271.20 |
| 2'000 | CHF 262.60 | CHF 244.20 |
| 2'500 | CHF 233.60 | CHF 217.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 121.10 | CHF 112.60 |
| 100 | CHF 115.30 | CHF 107.20 |
| 200 | CHF 109.50 | CHF 101.80 |
| 300 | CHF 103.60 | CHF 96.30 |
| 400 | CHF 97.80 | CHF 90.90 |
| 500 | CHF 92.00 | CHF 85.50 |
| 600 | CHF 86.10 | CHF 80.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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
- Thurgau
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.