Philos PrimaCare — Region 1, St. Gallen
Region 1, St. Gallen: the PrimaCare model from Philos costs CHF 596.00 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 596.00, PrimaCare is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 838.80 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 596.00 | CHF 554.30 |
| 500 | CHF 584.50 | CHF 543.60 |
| 1'000 | CHF 555.50 | CHF 516.60 |
| 1'500 | CHF 526.00 | CHF 489.20 |
| 2'000 | CHF 497.00 | CHF 462.20 |
| 2'500 | CHF 468.00 | CHF 435.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 456.60 | CHF 424.70 |
| 500 | CHF 445.10 | CHF 414.00 |
| 1'000 | CHF 416.10 | CHF 387.00 |
| 1'500 | CHF 386.60 | CHF 359.60 |
| 2'000 | CHF 357.60 | CHF 332.60 |
| 2'500 | CHF 328.60 | CHF 305.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 141.60 | CHF 131.70 |
| 100 | CHF 135.80 | CHF 126.30 |
| 200 | CHF 130.00 | CHF 120.90 |
| 300 | CHF 124.10 | CHF 115.40 |
| 400 | CHF 118.30 | CHF 110.00 |
| 500 | CHF 112.50 | CHF 104.60 |
| 600 | CHF 106.60 | CHF 99.10 |
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
- Obwalden
- 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.