Philos PrimaFlex — Aargau
Aargau: the PrimaFlex model from Philos costs CHF 524.60 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 524.60, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'024.80 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 524.60 | CHF 487.90 |
| 500 | CHF 513.60 | CHF 477.70 |
| 1'000 | CHF 486.10 | CHF 452.10 |
| 1'500 | CHF 458.10 | CHF 426.10 |
| 2'000 | CHF 430.50 | CHF 400.40 |
| 2'500 | CHF 403.00 | CHF 374.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 383.40 | CHF 356.50 |
| 500 | CHF 371.90 | CHF 345.80 |
| 1'000 | CHF 342.90 | CHF 318.90 |
| 1'500 | CHF 313.40 | CHF 291.40 |
| 2'000 | CHF 284.40 | CHF 264.50 |
| 2'500 | CHF 255.40 | CHF 237.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 135.90 | CHF 126.40 |
| 100 | CHF 130.10 | CHF 121.00 |
| 200 | CHF 124.30 | CHF 115.60 |
| 300 | CHF 118.40 | CHF 110.10 |
| 400 | CHF 112.60 | CHF 104.70 |
| 500 | CHF 106.80 | CHF 99.30 |
| 600 | CHF 100.90 | CHF 93.80 |
The price, region by region
- 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
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.