Philos PrimaCare — Region 1, Grisons
Region 1, Grisons: the PrimaCare model from Philos costs CHF 536.20 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 536.20, PrimaCare is not the lowest premium here: Sanitas goes down to CHF 453.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 753.60 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 536.20 | CHF 498.60 |
| 500 | CHF 524.70 | CHF 487.90 |
| 1'000 | CHF 495.70 | CHF 461.00 |
| 1'500 | CHF 466.20 | CHF 433.50 |
| 2'000 | CHF 437.20 | CHF 406.60 |
| 2'500 | CHF 408.20 | CHF 379.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 434.40 | CHF 404.00 |
| 500 | CHF 422.90 | CHF 393.30 |
| 1'000 | CHF 393.90 | CHF 366.30 |
| 1'500 | CHF 364.40 | CHF 338.90 |
| 2'000 | CHF 335.40 | CHF 311.90 |
| 2'500 | CHF 306.40 | CHF 285.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.80 | CHF 128.10 |
| 100 | CHF 132.00 | CHF 122.70 |
| 200 | CHF 126.20 | CHF 117.40 |
| 300 | CHF 120.30 | CHF 111.90 |
| 400 | CHF 114.50 | CHF 106.50 |
| 500 | CHF 108.70 | CHF 101.10 |
| 600 | CHF 102.80 | CHF 95.60 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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 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.