Philos PrimaFlex — Region 2, Grisons
Region 2, Grisons: the PrimaFlex model from Philos costs CHF 481.50 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 481.50, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 418.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 979.20 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 481.50 | CHF 447.80 |
| 500 | CHF 470.50 | CHF 437.50 |
| 1'000 | CHF 443.00 | CHF 412.00 |
| 1'500 | CHF 415.00 | CHF 385.90 |
| 2'000 | CHF 387.40 | CHF 360.30 |
| 2'500 | CHF 359.90 | CHF 334.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 381.60 | CHF 354.90 |
| 500 | CHF 370.10 | CHF 344.20 |
| 1'000 | CHF 341.10 | CHF 317.20 |
| 1'500 | CHF 311.60 | CHF 289.80 |
| 2'000 | CHF 282.60 | CHF 262.80 |
| 2'500 | CHF 253.60 | CHF 235.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.90 | CHF 115.20 |
| 100 | CHF 118.10 | CHF 109.90 |
| 200 | CHF 112.30 | CHF 104.50 |
| 300 | CHF 106.40 | CHF 99.00 |
| 400 | CHF 100.60 | CHF 93.60 |
| 500 | CHF 94.80 | CHF 88.20 |
| 600 | CHF 88.90 | CHF 82.70 |
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 1
- 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.