Philos PrimaCare — Region 2, Bern
Region 2, Bern: the PrimaCare model from Philos costs CHF 580.60 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 580.60, PrimaCare is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 860.40 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 580.60 | CHF 539.90 |
| 500 | CHF 569.10 | CHF 529.30 |
| 1'000 | CHF 540.10 | CHF 502.30 |
| 1'500 | CHF 510.60 | CHF 474.80 |
| 2'000 | CHF 481.60 | CHF 447.90 |
| 2'500 | CHF 452.60 | CHF 420.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 411.50 | CHF 382.70 |
| 500 | CHF 400.00 | CHF 372.00 |
| 1'000 | CHF 371.00 | CHF 345.10 |
| 1'500 | CHF 341.50 | CHF 317.60 |
| 2'000 | CHF 312.50 | CHF 290.70 |
| 2'500 | CHF 283.50 | CHF 263.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.20 | CHF 121.00 |
| 100 | CHF 124.40 | CHF 115.60 |
| 200 | CHF 118.60 | CHF 110.30 |
| 300 | CHF 112.70 | CHF 104.80 |
| 400 | CHF 106.90 | CHF 99.40 |
| 500 | CHF 101.10 | CHF 94.00 |
| 600 | CHF 95.20 | CHF 88.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.