Philos PrimaFlex — Region 3, St. Gallen
Region 3, St. Gallen: the PrimaFlex model from Philos costs CHF 512.50 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 512.50, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'042.80 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 512.50 | CHF 476.60 |
| 500 | CHF 501.50 | CHF 466.40 |
| 1'000 | CHF 474.00 | CHF 440.80 |
| 1'500 | CHF 446.00 | CHF 414.70 |
| 2'000 | CHF 418.40 | CHF 389.10 |
| 2'500 | CHF 390.90 | CHF 363.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 384.00 | CHF 357.20 |
| 500 | CHF 372.50 | CHF 346.50 |
| 1'000 | CHF 343.50 | CHF 319.50 |
| 1'500 | CHF 314.00 | CHF 292.10 |
| 2'000 | CHF 285.00 | CHF 265.10 |
| 2'500 | CHF 256.00 | CHF 238.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 121.90 | CHF 113.40 |
| 100 | CHF 116.10 | CHF 108.00 |
| 200 | CHF 110.30 | CHF 102.60 |
| 300 | CHF 104.40 | CHF 97.10 |
| 400 | CHF 98.60 | CHF 91.70 |
| 500 | CHF 92.80 | CHF 86.30 |
| 600 | CHF 86.90 | CHF 80.80 |
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
- 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.