Philos PrimaFlex — Obwalden
Obwalden: the PrimaFlex model from Philos costs CHF 445.40 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 445.40, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 906.00 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 445.40 | CHF 414.20 |
| 500 | CHF 434.40 | CHF 404.00 |
| 1'000 | CHF 406.90 | CHF 378.40 |
| 1'500 | CHF 378.90 | CHF 352.40 |
| 2'000 | CHF 351.30 | CHF 326.70 |
| 2'500 | CHF 323.80 | CHF 301.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 334.20 | CHF 310.80 |
| 500 | CHF 322.70 | CHF 300.10 |
| 1'000 | CHF 293.70 | CHF 273.10 |
| 1'500 | CHF 264.20 | CHF 245.70 |
| 2'000 | CHF 235.20 | CHF 218.70 |
| 2'500 | CHF 211.20 | CHF 196.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 108.60 | CHF 101.00 |
| 100 | CHF 102.80 | CHF 95.60 |
| 200 | CHF 97.00 | CHF 90.30 |
| 300 | CHF 91.10 | CHF 84.80 |
| 400 | CHF 85.30 | CHF 79.40 |
| 500 | CHF 79.50 | CHF 74.00 |
| 600 | CHF 73.60 | CHF 68.50 |
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
- Nidwalden
- 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.