Philos PrimaCare — Region 3, Bern
Region 3, Bern: the PrimaCare model from Philos costs CHF 561.40 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 561.40, PrimaCare is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 832.80 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 561.40 | CHF 522.10 |
| 500 | CHF 549.90 | CHF 511.50 |
| 1'000 | CHF 520.90 | CHF 484.50 |
| 1'500 | CHF 491.40 | CHF 457.00 |
| 2'000 | CHF 462.40 | CHF 430.10 |
| 2'500 | CHF 433.40 | CHF 403.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 398.00 | CHF 370.10 |
| 500 | CHF 386.50 | CHF 359.40 |
| 1'000 | CHF 357.50 | CHF 332.40 |
| 1'500 | CHF 328.00 | CHF 305.00 |
| 2'000 | CHF 299.00 | CHF 278.00 |
| 2'500 | CHF 270.00 | CHF 251.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.90 | CHF 117.10 |
| 100 | CHF 120.10 | CHF 111.70 |
| 200 | CHF 114.30 | CHF 106.30 |
| 300 | CHF 108.40 | CHF 100.80 |
| 400 | CHF 102.60 | CHF 95.40 |
| 500 | CHF 96.80 | CHF 90.00 |
| 600 | CHF 90.90 | CHF 84.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.