Philos PrimaCare — Region 3, St. Gallen
Region 3, St. Gallen: the PrimaCare model from Philos costs CHF 536.40 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 536.40, PrimaCare is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 756.00 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 536.40 | CHF 498.90 |
| 500 | CHF 524.90 | CHF 488.20 |
| 1'000 | CHF 495.90 | CHF 461.20 |
| 1'500 | CHF 466.40 | CHF 433.80 |
| 2'000 | CHF 437.40 | CHF 406.80 |
| 2'500 | CHF 408.40 | CHF 379.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 411.00 | CHF 382.20 |
| 500 | CHF 399.50 | CHF 371.50 |
| 1'000 | CHF 370.50 | CHF 344.50 |
| 1'500 | CHF 341.00 | CHF 317.10 |
| 2'000 | CHF 312.00 | CHF 290.10 |
| 2'500 | CHF 283.00 | CHF 263.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.40 | CHF 118.50 |
| 100 | CHF 121.60 | CHF 113.10 |
| 200 | CHF 115.80 | CHF 107.70 |
| 300 | CHF 109.90 | CHF 102.20 |
| 400 | CHF 104.10 | CHF 96.80 |
| 500 | CHF 98.30 | CHF 91.40 |
| 600 | CHF 92.40 | CHF 86.00 |
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 2
- 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.