Philos PrimaFlex — Region 3, Grisons
Region 3, Grisons: the PrimaFlex model from Philos costs CHF 461.00 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 461.00, PrimaFlex is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 937.20 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 461.00 | CHF 428.70 |
| 500 | CHF 450.00 | CHF 418.50 |
| 1'000 | CHF 422.50 | CHF 392.90 |
| 1'500 | CHF 394.50 | CHF 366.90 |
| 2'000 | CHF 366.90 | CHF 341.20 |
| 2'500 | CHF 339.40 | CHF 315.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.30 | CHF 339.80 |
| 500 | CHF 353.80 | CHF 329.10 |
| 1'000 | CHF 324.80 | CHF 302.10 |
| 1'500 | CHF 295.30 | CHF 274.70 |
| 2'000 | CHF 266.30 | CHF 247.70 |
| 2'500 | CHF 237.30 | CHF 220.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.60 | CHF 110.30 |
| 100 | CHF 112.80 | CHF 105.00 |
| 200 | CHF 107.00 | CHF 99.60 |
| 300 | CHF 101.10 | CHF 94.10 |
| 400 | CHF 95.30 | CHF 88.70 |
| 500 | CHF 89.50 | CHF 83.30 |
| 600 | CHF 83.60 | CHF 77.80 |
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 2
- 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.