Philos PrimaCare — Region 3, Grisons
Region 3, Grisons: the PrimaCare model from Philos costs CHF 482.50 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 482.50, PrimaCare is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 679.20 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 482.50 | CHF 448.80 |
| 500 | CHF 471.00 | CHF 438.10 |
| 1'000 | CHF 442.00 | CHF 411.10 |
| 1'500 | CHF 412.50 | CHF 383.70 |
| 2'000 | CHF 383.50 | CHF 356.70 |
| 2'500 | CHF 354.50 | CHF 329.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 391.00 | CHF 363.60 |
| 500 | CHF 379.50 | CHF 352.90 |
| 1'000 | CHF 350.50 | CHF 325.90 |
| 1'500 | CHF 321.00 | CHF 298.50 |
| 2'000 | CHF 292.00 | CHF 271.50 |
| 2'500 | CHF 263.00 | CHF 244.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.00 | CHF 115.30 |
| 100 | CHF 118.20 | CHF 109.90 |
| 200 | CHF 112.40 | CHF 104.50 |
| 300 | CHF 106.50 | CHF 99.10 |
| 400 | CHF 100.70 | CHF 93.70 |
| 500 | CHF 94.90 | CHF 88.30 |
| 600 | CHF 89.00 | CHF 82.80 |
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 1
- Grisons — Region 2
- 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.