Philos PrimaFlex — Jura
Jura: the PrimaFlex model from Philos costs CHF 598.00 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 598.00, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 543.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'215.60 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 598.00 | CHF 556.10 |
| 500 | CHF 587.00 | CHF 545.90 |
| 1'000 | CHF 559.50 | CHF 520.30 |
| 1'500 | CHF 531.50 | CHF 494.30 |
| 2'000 | CHF 503.90 | CHF 468.60 |
| 2'500 | CHF 476.40 | CHF 443.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 461.00 | CHF 428.70 |
| 500 | CHF 449.50 | CHF 418.00 |
| 1'000 | CHF 420.50 | CHF 391.10 |
| 1'500 | CHF 391.00 | CHF 363.60 |
| 2'000 | CHF 362.00 | CHF 336.60 |
| 2'500 | CHF 333.00 | CHF 309.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.60 | CHF 128.00 |
| 100 | CHF 131.80 | CHF 122.60 |
| 200 | CHF 126.00 | CHF 117.20 |
| 300 | CHF 120.10 | CHF 111.70 |
| 400 | CHF 114.30 | CHF 106.30 |
| 500 | CHF 108.50 | CHF 100.90 |
| 600 | CHF 102.60 | CHF 95.40 |
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
- Grisons — Region 3
- 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.