Philos PrimaFlex — Region 1, Bern
Region 1, Bern: the PrimaFlex model from Philos costs CHF 612.90 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 612.90, PrimaFlex is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'246.80 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 612.90 | CHF 570.00 |
| 500 | CHF 601.90 | CHF 559.80 |
| 1'000 | CHF 574.40 | CHF 534.20 |
| 1'500 | CHF 546.40 | CHF 508.20 |
| 2'000 | CHF 518.80 | CHF 482.50 |
| 2'500 | CHF 491.30 | CHF 456.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 419.90 | CHF 390.50 |
| 500 | CHF 408.40 | CHF 379.80 |
| 1'000 | CHF 379.40 | CHF 352.90 |
| 1'500 | CHF 349.90 | CHF 325.40 |
| 2'000 | CHF 320.90 | CHF 298.50 |
| 2'500 | CHF 291.90 | CHF 271.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.60 | CHF 128.00 |
| 100 | CHF 131.80 | CHF 122.60 |
| 200 | CHF 126.00 | CHF 117.20 |
| 300 | CHF 120.10 | CHF 111.70 |
| 400 | CHF 114.30 | CHF 106.30 |
| 500 | CHF 108.50 | CHF 100.90 |
| 600 | CHF 102.60 | CHF 95.40 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.