Philos PrimaFlex — Glarus
Glarus: the PrimaFlex model from Philos costs CHF 444.60 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 444.60, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 433.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 904.80 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 444.60 | CHF 413.50 |
| 500 | CHF 433.60 | CHF 403.30 |
| 1'000 | CHF 406.10 | CHF 377.70 |
| 1'500 | CHF 378.10 | CHF 351.70 |
| 2'000 | CHF 350.50 | CHF 326.00 |
| 2'500 | CHF 323.00 | CHF 300.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 342.50 | CHF 318.50 |
| 500 | CHF 331.00 | CHF 307.80 |
| 1'000 | CHF 302.00 | CHF 280.80 |
| 1'500 | CHF 272.50 | CHF 253.40 |
| 2'000 | CHF 243.50 | CHF 226.40 |
| 2'500 | CHF 216.40 | CHF 201.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.60 | CHF 104.70 |
| 100 | CHF 106.80 | CHF 99.30 |
| 200 | CHF 101.00 | CHF 94.00 |
| 300 | CHF 95.10 | CHF 88.50 |
| 400 | CHF 89.30 | CHF 83.10 |
| 500 | CHF 83.50 | CHF 77.70 |
| 600 | CHF 77.60 | CHF 72.20 |
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
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- 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.