Philos PrimaFlex — Region 1, Valais
Region 1, Valais: the PrimaFlex model from Philos costs CHF 535.10 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 535.10, PrimaFlex is not the lowest premium here: Atupri goes down to CHF 481.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'088.40 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 535.10 | CHF 497.70 |
| 500 | CHF 524.10 | CHF 487.40 |
| 1'000 | CHF 496.60 | CHF 461.80 |
| 1'500 | CHF 468.60 | CHF 435.80 |
| 2'000 | CHF 441.00 | CHF 410.10 |
| 2'500 | CHF 413.50 | CHF 384.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 385.40 | CHF 358.40 |
| 500 | CHF 373.90 | CHF 347.70 |
| 1'000 | CHF 344.90 | CHF 320.80 |
| 1'500 | CHF 315.40 | CHF 293.30 |
| 2'000 | CHF 286.40 | CHF 266.40 |
| 2'500 | CHF 257.40 | CHF 239.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.90 | CHF 110.60 |
| 100 | CHF 113.10 | CHF 105.20 |
| 200 | CHF 107.30 | CHF 99.80 |
| 300 | CHF 101.40 | CHF 94.30 |
| 400 | CHF 95.60 | CHF 88.90 |
| 500 | CHF 89.80 | CHF 83.50 |
| 600 | CHF 83.90 | CHF 78.00 |
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.