Philos PrimaCare — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the PrimaCare model from Philos costs CHF 546.80 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 546.80, PrimaCare 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, PrimaCare costs CHF 769.20 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 546.80 | CHF 508.50 |
| 500 | CHF 535.30 | CHF 497.80 |
| 1'000 | CHF 506.30 | CHF 470.90 |
| 1'500 | CHF 476.80 | CHF 443.40 |
| 2'000 | CHF 447.80 | CHF 416.50 |
| 2'500 | CHF 418.80 | CHF 389.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 422.10 | CHF 392.60 |
| 500 | CHF 410.60 | CHF 381.90 |
| 1'000 | CHF 381.60 | CHF 354.90 |
| 1'500 | CHF 352.10 | CHF 327.50 |
| 2'000 | CHF 323.10 | CHF 300.50 |
| 2'500 | CHF 294.10 | CHF 273.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.50 | CHF 119.50 |
| 100 | CHF 122.70 | CHF 114.10 |
| 200 | CHF 116.90 | CHF 108.80 |
| 300 | CHF 111.00 | CHF 103.30 |
| 400 | CHF 105.20 | CHF 97.90 |
| 500 | CHF 99.40 | CHF 92.50 |
| 600 | CHF 93.50 | CHF 87.00 |
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.