Philos PrimaFlex — Region 1, Lucerne
Region 1, Lucerne: the PrimaFlex model from Philos costs CHF 510.70 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 510.70, PrimaFlex is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 997.20 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 510.70 | CHF 475.00 |
| 500 | CHF 499.70 | CHF 464.70 |
| 1'000 | CHF 472.20 | CHF 439.20 |
| 1'500 | CHF 444.20 | CHF 413.10 |
| 2'000 | CHF 416.60 | CHF 387.50 |
| 2'500 | CHF 389.10 | CHF 361.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 371.20 | CHF 345.20 |
| 500 | CHF 359.70 | CHF 334.50 |
| 1'000 | CHF 330.70 | CHF 307.60 |
| 1'500 | CHF 301.20 | CHF 280.10 |
| 2'000 | CHF 272.20 | CHF 253.20 |
| 2'500 | CHF 243.20 | CHF 226.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.20 | CHF 116.40 |
| 100 | CHF 119.40 | CHF 111.00 |
| 200 | CHF 113.60 | CHF 105.60 |
| 300 | CHF 107.70 | CHF 100.10 |
| 400 | CHF 101.90 | CHF 94.80 |
| 500 | CHF 96.10 | CHF 89.40 |
| 600 | CHF 90.20 | CHF 83.90 |
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
- Jura
- 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.