PrimaCare or PrimaFlex — Appenzell Innerrhoden
Appenzell Innerrhoden: with Philos, PrimaCare costs CHF 421.50 a month in 2026 and PrimaFlex CHF 402.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PrimaFlex is the cheaper of the two here: CHF 225.60 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PrimaCare is a "Family doctor" model. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | PrimaCare | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 421.50 | CHF 402.70 | CHF 225.60 |
| 500 | CHF 410.00 | CHF 391.70 | CHF 219.60 |
| 1'000 | CHF 381.00 | CHF 364.20 | CHF 201.60 |
| 1'500 | CHF 351.50 | CHF 336.20 | CHF 183.60 |
| 2'000 | CHF 322.50 | CHF 308.60 | CHF 166.80 |
| 2'500 | CHF 293.50 | CHF 281.10 | CHF 148.80 |
The comparison, region by region
- PrimaCare or PrimaFlex?
- Aargau
- 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
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.