Philos PrimaFlex — Nidwalden
Nidwalden: the PrimaFlex model from Philos costs CHF 442.00 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 442.00, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 898.80 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 442.00 | CHF 411.10 |
| 500 | CHF 431.00 | CHF 400.80 |
| 1'000 | CHF 403.50 | CHF 375.30 |
| 1'500 | CHF 375.50 | CHF 349.20 |
| 2'000 | CHF 347.90 | CHF 323.60 |
| 2'500 | CHF 320.40 | CHF 298.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 315.30 | CHF 293.20 |
| 500 | CHF 303.80 | CHF 282.50 |
| 1'000 | CHF 274.80 | CHF 255.60 |
| 1'500 | CHF 245.30 | CHF 228.10 |
| 2'000 | CHF 216.30 | CHF 201.20 |
| 2'500 | CHF 199.30 | CHF 185.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.70 | CHF 97.40 |
| 100 | CHF 98.90 | CHF 92.00 |
| 200 | CHF 93.10 | CHF 86.60 |
| 300 | CHF 87.20 | CHF 81.10 |
| 400 | CHF 81.40 | CHF 75.70 |
| 500 | CHF 75.60 | CHF 70.40 |
| 600 | CHF 69.70 | CHF 64.90 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- 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.