Philos PrimaFlex — Neuchâtel
Neuchâtel: the PrimaFlex model from Philos costs CHF 626.40 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 626.40, PrimaFlex is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'484.40 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 626.40 | CHF 582.50 |
| 500 | CHF 615.40 | CHF 572.30 |
| 1'000 | CHF 587.90 | CHF 546.70 |
| 1'500 | CHF 559.90 | CHF 520.70 |
| 2'000 | CHF 532.30 | CHF 495.00 |
| 2'500 | CHF 504.80 | CHF 469.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 476.10 | CHF 442.80 |
| 500 | CHF 464.60 | CHF 432.10 |
| 1'000 | CHF 435.60 | CHF 405.10 |
| 1'500 | CHF 406.10 | CHF 377.70 |
| 2'000 | CHF 377.10 | CHF 350.70 |
| 2'500 | CHF 348.10 | CHF 323.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 152.40 | CHF 141.80 |
| 100 | CHF 146.60 | CHF 136.40 |
| 200 | CHF 140.80 | CHF 131.00 |
| 300 | CHF 134.90 | CHF 125.50 |
| 400 | CHF 129.10 | CHF 120.10 |
| 500 | CHF 123.30 | CHF 114.70 |
| 600 | CHF 117.40 | CHF 109.20 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.