Philos PrimaCare — Region 1, Bern
Region 1, Bern: the PrimaCare model from Philos costs CHF 638.00 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 638.00, PrimaCare is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 945.60 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 638.00 | CHF 593.30 |
| 500 | CHF 626.50 | CHF 582.70 |
| 1'000 | CHF 597.50 | CHF 555.70 |
| 1'500 | CHF 568.00 | CHF 528.20 |
| 2'000 | CHF 539.00 | CHF 501.30 |
| 2'500 | CHF 510.00 | CHF 474.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 452.20 | CHF 420.60 |
| 500 | CHF 440.70 | CHF 409.90 |
| 1'000 | CHF 411.70 | CHF 382.90 |
| 1'500 | CHF 382.20 | CHF 355.50 |
| 2'000 | CHF 353.20 | CHF 328.50 |
| 2'500 | CHF 324.20 | CHF 301.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 143.00 | CHF 133.00 |
| 100 | CHF 137.20 | CHF 127.60 |
| 200 | CHF 131.40 | CHF 122.20 |
| 300 | CHF 125.50 | CHF 116.70 |
| 400 | CHF 119.70 | CHF 111.30 |
| 500 | CHF 113.90 | CHF 105.90 |
| 600 | CHF 108.00 | CHF 100.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.