Philos PrimaFlex — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the PrimaFlex model from Philos costs CHF 525.40 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 525.40, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'026.00 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 525.40 | CHF 488.60 |
| 500 | CHF 514.40 | CHF 478.40 |
| 1'000 | CHF 486.90 | CHF 452.80 |
| 1'500 | CHF 458.90 | CHF 426.80 |
| 2'000 | CHF 431.30 | CHF 401.10 |
| 2'500 | CHF 403.80 | CHF 375.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 396.80 | CHF 369.00 |
| 500 | CHF 385.30 | CHF 358.30 |
| 1'000 | CHF 356.30 | CHF 331.30 |
| 1'500 | CHF 326.80 | CHF 303.90 |
| 2'000 | CHF 297.80 | CHF 276.90 |
| 2'500 | CHF 268.80 | CHF 250.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.70 | CHF 115.00 |
| 100 | CHF 117.90 | CHF 109.60 |
| 200 | CHF 112.10 | CHF 104.20 |
| 300 | CHF 106.20 | CHF 98.70 |
| 400 | CHF 100.40 | CHF 93.30 |
| 500 | CHF 94.60 | CHF 88.00 |
| 600 | CHF 88.70 | CHF 82.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.