Philos PrimaFlex — Region 1, Zurich
Region 1, Zurich: the PrimaFlex model from Philos costs CHF 593.50 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 593.50, PrimaFlex is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'207.20 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 593.50 | CHF 552.00 |
| 500 | CHF 582.50 | CHF 541.70 |
| 1'000 | CHF 555.00 | CHF 516.20 |
| 1'500 | CHF 527.00 | CHF 490.10 |
| 2'000 | CHF 499.40 | CHF 464.50 |
| 2'500 | CHF 471.90 | CHF 438.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 451.30 | CHF 419.70 |
| 500 | CHF 439.80 | CHF 409.00 |
| 1'000 | CHF 410.80 | CHF 382.10 |
| 1'500 | CHF 381.30 | CHF 354.60 |
| 2'000 | CHF 352.30 | CHF 327.70 |
| 2'500 | CHF 323.30 | CHF 300.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 164.40 | CHF 152.90 |
| 100 | CHF 158.60 | CHF 147.50 |
| 200 | CHF 152.80 | CHF 142.10 |
| 300 | CHF 146.90 | CHF 136.60 |
| 400 | CHF 141.10 | CHF 131.20 |
| 500 | CHF 135.30 | CHF 125.80 |
| 600 | CHF 129.40 | CHF 120.30 |
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.