Philos PrimaFlex — Region 1, Vaud
Region 1, Vaud: the PrimaFlex model from Philos costs CHF 657.00 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 657.00, PrimaFlex is not the lowest premium here: Atupri goes down to CHF 570.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'282.80 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 657.00 | CHF 611.00 |
| 500 | CHF 646.00 | CHF 600.80 |
| 1'000 | CHF 618.50 | CHF 575.20 |
| 1'500 | CHF 590.50 | CHF 549.20 |
| 2'000 | CHF 562.90 | CHF 523.50 |
| 2'500 | CHF 535.40 | CHF 497.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 457.40 | CHF 425.40 |
| 500 | CHF 445.90 | CHF 414.70 |
| 1'000 | CHF 416.90 | CHF 387.80 |
| 1'500 | CHF 387.40 | CHF 360.30 |
| 2'000 | CHF 358.40 | CHF 333.30 |
| 2'500 | CHF 329.40 | CHF 306.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 171.70 | CHF 159.70 |
| 100 | CHF 165.90 | CHF 154.30 |
| 200 | CHF 160.10 | CHF 148.90 |
| 300 | CHF 154.20 | CHF 143.40 |
| 400 | CHF 148.40 | CHF 138.10 |
| 500 | CHF 142.60 | CHF 132.70 |
| 600 | CHF 136.70 | CHF 127.20 |
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.