Philos PrimaFlex — Region 1, Grisons
Region 1, Grisons: the PrimaFlex model from Philos costs CHF 512.20 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 512.20, PrimaFlex is not the lowest premium here: Sanitas goes down to CHF 453.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'041.60 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 512.20 | CHF 476.30 |
| 500 | CHF 501.20 | CHF 466.10 |
| 1'000 | CHF 473.70 | CHF 440.50 |
| 1'500 | CHF 445.70 | CHF 414.50 |
| 2'000 | CHF 418.10 | CHF 388.80 |
| 2'500 | CHF 390.60 | CHF 363.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 405.90 | CHF 377.50 |
| 500 | CHF 394.40 | CHF 366.80 |
| 1'000 | CHF 365.40 | CHF 339.80 |
| 1'500 | CHF 335.90 | CHF 312.40 |
| 2'000 | CHF 306.90 | CHF 285.40 |
| 2'500 | CHF 277.90 | CHF 258.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 131.80 | CHF 122.60 |
| 100 | CHF 126.00 | CHF 117.20 |
| 200 | CHF 120.20 | CHF 111.80 |
| 300 | CHF 114.30 | CHF 106.30 |
| 400 | CHF 108.50 | CHF 100.90 |
| 500 | CHF 102.70 | CHF 95.50 |
| 600 | CHF 96.80 | CHF 90.10 |
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
- Glarus
- 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.