Philos PrimaFlex — Region 2, Ticino
Region 2, Ticino: the PrimaFlex model from Philos costs CHF 620.90 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 620.90, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 539.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'263.60 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 620.90 | CHF 577.40 |
| 500 | CHF 609.90 | CHF 567.20 |
| 1'000 | CHF 582.40 | CHF 541.60 |
| 1'500 | CHF 554.40 | CHF 515.60 |
| 2'000 | CHF 526.80 | CHF 489.90 |
| 2'500 | CHF 499.30 | CHF 464.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 449.50 | CHF 418.00 |
| 500 | CHF 438.00 | CHF 407.30 |
| 1'000 | CHF 409.00 | CHF 380.40 |
| 1'500 | CHF 379.50 | CHF 352.90 |
| 2'000 | CHF 350.50 | CHF 325.90 |
| 2'500 | CHF 321.50 | CHF 299.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 149.40 | CHF 138.90 |
| 100 | CHF 143.60 | CHF 133.50 |
| 200 | CHF 137.80 | CHF 128.10 |
| 300 | CHF 131.90 | CHF 122.60 |
| 400 | CHF 126.10 | CHF 117.30 |
| 500 | CHF 120.30 | CHF 111.90 |
| 600 | CHF 114.40 | CHF 106.40 |
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 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.