Philos PrimaFlex — Region 2, Bern
Region 2, Bern: the PrimaFlex model from Philos costs CHF 557.80 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 557.80, PrimaFlex is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'134.00 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 557.80 | CHF 518.70 |
| 500 | CHF 546.80 | CHF 508.50 |
| 1'000 | CHF 519.30 | CHF 482.90 |
| 1'500 | CHF 491.30 | CHF 456.90 |
| 2'000 | CHF 463.70 | CHF 431.20 |
| 2'500 | CHF 436.20 | CHF 405.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 382.10 | CHF 355.40 |
| 500 | CHF 370.60 | CHF 344.70 |
| 1'000 | CHF 341.60 | CHF 317.70 |
| 1'500 | CHF 312.10 | CHF 290.30 |
| 2'000 | CHF 283.10 | CHF 263.30 |
| 2'500 | CHF 254.10 | CHF 236.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.20 | CHF 116.40 |
| 100 | CHF 119.40 | CHF 111.00 |
| 200 | CHF 113.60 | CHF 105.70 |
| 300 | CHF 107.70 | CHF 100.20 |
| 400 | CHF 101.90 | CHF 94.80 |
| 500 | CHF 96.10 | CHF 89.40 |
| 600 | CHF 90.20 | CHF 83.90 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.