Philos PrimaFlex — Appenzell Innerrhoden
Appenzell Innerrhoden: the PrimaFlex model from Philos costs CHF 402.70 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 402.70, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 818.40 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 402.70 | CHF 374.50 |
| 500 | CHF 391.70 | CHF 364.30 |
| 1'000 | CHF 364.20 | CHF 338.70 |
| 1'500 | CHF 336.20 | CHF 312.60 |
| 2'000 | CHF 308.60 | CHF 287.00 |
| 2'500 | CHF 281.10 | CHF 261.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 320.20 | CHF 297.80 |
| 500 | CHF 308.70 | CHF 287.10 |
| 1'000 | CHF 279.70 | CHF 260.20 |
| 1'500 | CHF 250.20 | CHF 232.70 |
| 2'000 | CHF 221.20 | CHF 205.80 |
| 2'500 | CHF 202.40 | CHF 188.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 110.80 | CHF 103.00 |
| 100 | CHF 105.00 | CHF 97.60 |
| 200 | CHF 99.20 | CHF 92.20 |
| 300 | CHF 93.30 | CHF 86.70 |
| 400 | CHF 87.50 | CHF 81.30 |
| 500 | CHF 81.70 | CHF 76.00 |
| 600 | CHF 75.80 | CHF 70.50 |
The price, region by region
- Aargau
- 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.