Philos PrimaFlex — Region 2, Schaffhausen
Region 2, Schaffhausen: the PrimaFlex model from Philos costs CHF 506.60 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 506.60, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 433.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 949.20 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 506.60 | CHF 471.20 |
| 500 | CHF 495.60 | CHF 460.90 |
| 1'000 | CHF 468.10 | CHF 435.30 |
| 1'500 | CHF 440.10 | CHF 409.30 |
| 2'000 | CHF 412.50 | CHF 383.60 |
| 2'500 | CHF 385.00 | CHF 358.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 385.50 | CHF 358.50 |
| 500 | CHF 374.00 | CHF 347.80 |
| 1'000 | CHF 345.00 | CHF 320.80 |
| 1'500 | CHF 315.50 | CHF 293.40 |
| 2'000 | CHF 286.50 | CHF 266.40 |
| 2'500 | CHF 257.50 | CHF 239.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.70 | CHF 107.60 |
| 100 | CHF 109.90 | CHF 102.20 |
| 200 | CHF 104.10 | CHF 96.80 |
| 300 | CHF 98.20 | CHF 91.40 |
| 400 | CHF 92.40 | CHF 86.00 |
| 500 | CHF 86.60 | CHF 80.60 |
| 600 | CHF 80.70 | CHF 75.10 |
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 1
- 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.