Philos PrimaFlex — Region 1, St. Gallen
Region 1, St. Gallen: the PrimaFlex model from Philos costs CHF 569.40 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 569.40, PrimaFlex is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'158.00 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 569.40 | CHF 529.50 |
| 500 | CHF 558.40 | CHF 519.30 |
| 1'000 | CHF 530.90 | CHF 493.70 |
| 1'500 | CHF 502.90 | CHF 467.70 |
| 2'000 | CHF 475.30 | CHF 442.00 |
| 2'500 | CHF 447.80 | CHF 416.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 426.70 | CHF 396.80 |
| 500 | CHF 415.20 | CHF 386.10 |
| 1'000 | CHF 386.20 | CHF 359.20 |
| 1'500 | CHF 356.70 | CHF 331.70 |
| 2'000 | CHF 327.70 | CHF 304.80 |
| 2'500 | CHF 298.70 | CHF 277.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 135.50 | CHF 126.00 |
| 100 | CHF 129.70 | CHF 120.60 |
| 200 | CHF 123.90 | CHF 115.20 |
| 300 | CHF 118.00 | CHF 109.70 |
| 400 | CHF 112.20 | CHF 104.30 |
| 500 | CHF 106.40 | CHF 98.90 |
| 600 | CHF 100.50 | CHF 93.40 |
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 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.