Philos PrimaFlex — Basel-Stadt
Basel-Stadt: the PrimaFlex model from Philos costs CHF 652.50 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 652.50, PrimaFlex is not the lowest premium here: CSS goes down to CHF 575.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'327.20 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 652.50 | CHF 606.80 |
| 500 | CHF 641.50 | CHF 596.60 |
| 1'000 | CHF 614.00 | CHF 571.00 |
| 1'500 | CHF 586.00 | CHF 545.00 |
| 2'000 | CHF 558.40 | CHF 519.30 |
| 2'500 | CHF 530.90 | CHF 493.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 494.50 | CHF 459.90 |
| 500 | CHF 483.00 | CHF 449.20 |
| 1'000 | CHF 454.00 | CHF 422.20 |
| 1'500 | CHF 424.50 | CHF 394.80 |
| 2'000 | CHF 395.50 | CHF 367.80 |
| 2'500 | CHF 366.50 | CHF 340.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 149.20 | CHF 138.70 |
| 100 | CHF 143.40 | CHF 133.30 |
| 200 | CHF 137.60 | CHF 127.90 |
| 300 | CHF 131.70 | CHF 122.50 |
| 400 | CHF 125.90 | CHF 117.10 |
| 500 | CHF 120.10 | CHF 111.70 |
| 600 | CHF 114.20 | CHF 106.20 |
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
- 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.