Philos PrimaCare — Neuchâtel
Neuchâtel: the PrimaCare model from Philos costs CHF 671.40 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 671.40, PrimaCare is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 944.40 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 671.40 | CHF 624.40 |
| 500 | CHF 659.90 | CHF 613.70 |
| 1'000 | CHF 630.90 | CHF 586.70 |
| 1'500 | CHF 601.40 | CHF 559.30 |
| 2'000 | CHF 572.40 | CHF 532.30 |
| 2'500 | CHF 543.40 | CHF 505.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 509.50 | CHF 473.90 |
| 500 | CHF 498.00 | CHF 463.20 |
| 1'000 | CHF 469.00 | CHF 436.20 |
| 1'500 | CHF 439.50 | CHF 408.80 |
| 2'000 | CHF 410.50 | CHF 381.80 |
| 2'500 | CHF 381.50 | CHF 354.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 159.30 | CHF 148.20 |
| 100 | CHF 153.50 | CHF 142.80 |
| 200 | CHF 147.70 | CHF 137.40 |
| 300 | CHF 141.80 | CHF 131.90 |
| 400 | CHF 136.00 | CHF 126.50 |
| 500 | CHF 130.20 | CHF 121.10 |
| 600 | CHF 124.30 | CHF 115.60 |
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 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.