Philos PrimaFlex — Uri
Uri: the PrimaFlex model from Philos costs CHF 482.00 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 482.00, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 376.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 980.40 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 482.00 | CHF 448.30 |
| 500 | CHF 471.00 | CHF 438.00 |
| 1'000 | CHF 443.50 | CHF 412.50 |
| 1'500 | CHF 415.50 | CHF 386.40 |
| 2'000 | CHF 387.90 | CHF 360.80 |
| 2'500 | CHF 360.40 | CHF 335.20 |
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 115.40 | CHF 107.30 |
| 100 | CHF 109.60 | CHF 101.90 |
| 200 | CHF 103.80 | CHF 96.50 |
| 300 | CHF 97.90 | CHF 91.00 |
| 400 | CHF 92.10 | CHF 85.60 |
| 500 | CHF 86.30 | CHF 80.20 |
| 600 | CHF 80.40 | CHF 74.70 |
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.