Philos PrimaFlex
PrimaFlex is the "Telemedicine and others" model from Philos. It is offered across 42 premium regions, where the adult premium with a CHF 300 deductible runs from CHF 385.70 to CHF 669.10 a month in 2026.
You call a medical service before any consultation, or follow another pathway set by the insurer.
What it saves
On average, PrimaFlex costs CHF 1'077.71 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 price, region by region
42 premium regions, across 26 cantons.
- 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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
“PrimaFlex” exists elsewhere too
2 other insurers sell a model with exactly this name. The product looks alike; the price does not. All belong to the same group: Groupe Mutuel.
Depending on the brand, the cheapest premium ranges from CHF 362.40 to CHF 367.20 a month. The footprints differ: the “regions” column shows how many each operates in, and a brand present everywhere necessarily reaches cheaper regions.
Philos: this model against the others
Other models from Philos
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.