Philos PrimaFlex — Region 2, Zurich
Region 2, Zurich: the PrimaFlex model from Philos costs CHF 528.20 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 528.20, PrimaFlex is not the lowest premium here: Agrisano goes down to CHF 467.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'075.20 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 528.20 | CHF 491.30 |
| 500 | CHF 517.20 | CHF 481.00 |
| 1'000 | CHF 489.70 | CHF 455.40 |
| 1'500 | CHF 461.70 | CHF 429.40 |
| 2'000 | CHF 434.10 | CHF 403.70 |
| 2'500 | CHF 406.60 | CHF 378.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 401.70 | CHF 373.60 |
| 500 | CHF 390.20 | CHF 362.90 |
| 1'000 | CHF 361.20 | CHF 335.90 |
| 1'500 | CHF 331.70 | CHF 308.50 |
| 2'000 | CHF 302.70 | CHF 281.50 |
| 2'500 | CHF 273.70 | CHF 254.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 146.30 | CHF 136.10 |
| 100 | CHF 140.50 | CHF 130.70 |
| 200 | CHF 134.70 | CHF 125.30 |
| 300 | CHF 128.80 | CHF 119.80 |
| 400 | CHF 123.00 | CHF 114.40 |
| 500 | CHF 117.20 | CHF 109.00 |
| 600 | CHF 111.30 | CHF 103.50 |
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.