Philos PrimaFlex — Thurgau
Thurgau: the PrimaFlex model from Philos costs CHF 497.70 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 497.70, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'012.80 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 497.70 | CHF 462.90 |
| 500 | CHF 486.70 | CHF 452.70 |
| 1'000 | CHF 459.20 | CHF 427.10 |
| 1'500 | CHF 431.20 | CHF 401.10 |
| 2'000 | CHF 403.60 | CHF 375.40 |
| 2'500 | CHF 376.10 | CHF 349.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 373.90 | CHF 347.80 |
| 500 | CHF 362.40 | CHF 337.10 |
| 1'000 | CHF 333.40 | CHF 310.10 |
| 1'500 | CHF 303.90 | CHF 282.70 |
| 2'000 | CHF 274.90 | CHF 255.70 |
| 2'500 | CHF 245.90 | CHF 228.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.90 | CHF 121.70 |
| 100 | CHF 125.10 | CHF 116.30 |
| 200 | CHF 119.30 | CHF 110.90 |
| 300 | CHF 113.40 | CHF 105.40 |
| 400 | CHF 107.60 | CHF 100.00 |
| 500 | CHF 101.80 | CHF 94.60 |
| 600 | CHF 95.90 | CHF 89.10 |
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
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.