Philos PrimaFlex — Region 3, Bern
Region 3, Bern: the PrimaFlex model from Philos costs CHF 539.40 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 539.40, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'096.80 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 539.40 | CHF 501.60 |
| 500 | CHF 528.40 | CHF 491.40 |
| 1'000 | CHF 500.90 | CHF 465.80 |
| 1'500 | CHF 472.90 | CHF 439.80 |
| 2'000 | CHF 445.30 | CHF 414.10 |
| 2'500 | CHF 417.80 | CHF 388.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 369.50 | CHF 343.70 |
| 500 | CHF 358.00 | CHF 333.00 |
| 1'000 | CHF 329.00 | CHF 306.00 |
| 1'500 | CHF 299.50 | CHF 278.60 |
| 2'000 | CHF 270.50 | CHF 251.60 |
| 2'500 | CHF 241.50 | CHF 224.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 121.10 | CHF 112.60 |
| 100 | CHF 115.30 | CHF 107.20 |
| 200 | CHF 109.50 | CHF 101.80 |
| 300 | CHF 103.60 | CHF 96.30 |
| 400 | CHF 97.80 | CHF 90.90 |
| 500 | CHF 92.00 | CHF 85.50 |
| 600 | CHF 86.10 | CHF 80.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.