Philos PrimaFlex — Region 2, St. Gallen
Region 2, St. Gallen: the PrimaFlex model from Philos costs CHF 518.20 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 518.20, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'053.60 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 518.20 | CHF 481.90 |
| 500 | CHF 507.20 | CHF 471.70 |
| 1'000 | CHF 479.70 | CHF 446.10 |
| 1'500 | CHF 451.70 | CHF 420.00 |
| 2'000 | CHF 424.10 | CHF 394.40 |
| 2'500 | CHF 396.60 | CHF 368.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 388.30 | CHF 361.10 |
| 500 | CHF 376.80 | CHF 350.40 |
| 1'000 | CHF 347.80 | CHF 323.50 |
| 1'500 | CHF 318.30 | CHF 296.00 |
| 2'000 | CHF 289.30 | CHF 269.00 |
| 2'500 | CHF 260.30 | CHF 242.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.30 | CHF 114.60 |
| 100 | CHF 117.50 | CHF 109.20 |
| 200 | CHF 111.70 | CHF 103.90 |
| 300 | CHF 105.80 | CHF 98.40 |
| 400 | CHF 100.00 | CHF 93.00 |
| 500 | CHF 94.20 | CHF 87.60 |
| 600 | CHF 88.30 | CHF 82.10 |
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 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.