Philos PrimaFlex — Geneva
Geneva: the PrimaFlex model from Philos costs CHF 669.10 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 669.10, PrimaFlex is not the lowest premium here: Assura-Basis goes down to CHF 604.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'360.80 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 669.10 | CHF 622.30 |
| 500 | CHF 658.10 | CHF 612.00 |
| 1'000 | CHF 630.60 | CHF 586.40 |
| 1'500 | CHF 602.60 | CHF 560.40 |
| 2'000 | CHF 575.00 | CHF 534.70 |
| 2'500 | CHF 547.50 | CHF 509.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 507.10 | CHF 471.60 |
| 500 | CHF 495.60 | CHF 460.90 |
| 1'000 | CHF 466.60 | CHF 433.90 |
| 1'500 | CHF 437.10 | CHF 406.50 |
| 2'000 | CHF 408.10 | CHF 379.50 |
| 2'500 | CHF 379.10 | CHF 352.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 170.90 | CHF 158.90 |
| 100 | CHF 165.10 | CHF 153.50 |
| 200 | CHF 159.30 | CHF 148.10 |
| 300 | CHF 153.40 | CHF 142.60 |
| 400 | CHF 147.60 | CHF 137.20 |
| 500 | CHF 141.80 | CHF 131.80 |
| 600 | CHF 135.90 | CHF 126.30 |
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
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- 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.