Philos PrimaFlex — Region 1, Schaffhausen
Region 1, Schaffhausen: the PrimaFlex model from Philos costs CHF 538.90 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 538.90, PrimaFlex is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'009.20 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 538.90 | CHF 501.20 |
| 500 | CHF 527.90 | CHF 491.00 |
| 1'000 | CHF 500.40 | CHF 465.40 |
| 1'500 | CHF 472.40 | CHF 439.40 |
| 2'000 | CHF 444.80 | CHF 413.70 |
| 2'500 | CHF 417.30 | CHF 388.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 410.10 | CHF 381.40 |
| 500 | CHF 398.60 | CHF 370.70 |
| 1'000 | CHF 369.60 | CHF 343.70 |
| 1'500 | CHF 340.10 | CHF 316.30 |
| 2'000 | CHF 311.10 | CHF 289.30 |
| 2'500 | CHF 282.10 | CHF 262.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.10 | CHF 114.50 |
| 100 | CHF 117.30 | CHF 109.10 |
| 200 | CHF 111.50 | CHF 103.70 |
| 300 | CHF 105.60 | CHF 98.20 |
| 400 | CHF 99.80 | CHF 92.80 |
| 500 | CHF 94.00 | CHF 87.40 |
| 600 | CHF 88.10 | CHF 81.90 |
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
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.