Philos PrimaCare — Region 2, St. Gallen
Region 2, St. Gallen: the PrimaCare model from Philos costs CHF 542.40 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 542.40, PrimaCare is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 763.20 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 542.40 | CHF 504.40 |
| 500 | CHF 530.90 | CHF 493.70 |
| 1'000 | CHF 501.90 | CHF 466.80 |
| 1'500 | CHF 472.40 | CHF 439.30 |
| 2'000 | CHF 443.40 | CHF 412.40 |
| 2'500 | CHF 414.40 | CHF 385.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 415.50 | CHF 386.50 |
| 500 | CHF 404.00 | CHF 375.80 |
| 1'000 | CHF 375.00 | CHF 348.80 |
| 1'500 | CHF 345.50 | CHF 321.40 |
| 2'000 | CHF 316.50 | CHF 294.40 |
| 2'500 | CHF 287.50 | CHF 267.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.80 | CHF 119.80 |
| 100 | CHF 123.00 | CHF 114.40 |
| 200 | CHF 117.20 | CHF 109.00 |
| 300 | CHF 111.30 | CHF 103.50 |
| 400 | CHF 105.50 | CHF 98.20 |
| 500 | CHF 99.70 | CHF 92.80 |
| 600 | CHF 93.80 | CHF 87.30 |
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 1
- 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.