Philos PrimaCare — Obwalden
Obwalden: the PrimaCare model from Philos costs CHF 466.30 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 466.30, PrimaCare is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 655.20 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 466.30 | CHF 433.60 |
| 500 | CHF 454.80 | CHF 422.90 |
| 1'000 | CHF 425.80 | CHF 396.00 |
| 1'500 | CHF 396.30 | CHF 368.50 |
| 2'000 | CHF 367.30 | CHF 341.60 |
| 2'500 | CHF 338.30 | CHF 314.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 357.60 | CHF 332.60 |
| 500 | CHF 346.10 | CHF 321.90 |
| 1'000 | CHF 317.10 | CHF 294.90 |
| 1'500 | CHF 287.60 | CHF 267.50 |
| 2'000 | CHF 258.60 | CHF 240.50 |
| 2'500 | CHF 229.60 | CHF 213.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.50 | CHF 105.60 |
| 100 | CHF 107.70 | CHF 100.20 |
| 200 | CHF 101.90 | CHF 94.80 |
| 300 | CHF 96.00 | CHF 89.30 |
| 400 | CHF 90.20 | CHF 83.90 |
| 500 | CHF 84.40 | CHF 78.50 |
| 600 | CHF 78.50 | CHF 73.10 |
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
- Neuchâtel
- Nidwalden
- 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.