BASE
- Grundversicherung
Philos — health insurance 2026
Philos offers basic cover in 26 cantons. Benefits are set by law and identical at every insurer: what sets Philos apart is its price and its models.
Philos Assurance Maladie SA · Part of the Groupe Mutuel group. · Official website
Models offered
DIV
- PrimaFlex
- SanaTel
HAM
- PrimaCare
HMO
- OptiMed
Where this insurer sits on price
We publish no reviews: we have no real ones, and inventing them would be dishonest. Instead, the only facts a comparator can establish — computed on the official premiums, adult profile, CHF 300 deductible, accident included.
- 42
- premium regions where it operates, out of 42
- 0
- regions where it is the cheapest
- 21 / 25
- median rank among the region's insurers
- CHF 1'095.00
- what it costs above the cheapest, per year, at the median
This insurer is not the cheapest in any region of the country. Depending on the region, the gap to the cheapest runs from CHF 324.00 to CHF 1'683.60 a year.
What Philos has done with its prices since 2015
On a like-for-like footprint, Philos's median premium went from CHF 321.30 in 2015 to CHF 526.80 in 2026 — +64.0 %.
That is more than the market median (+47.6 %): Philos rose faster than the average insurer.
Today Philos is the 26th cheapest of 30 comparable insurers — the rise and the price do not say the same thing.
32115
33116
36517
40318
41619
41120
41621
41322
43423
47324
50625
52726
Cantons covered
| Canton | Regions | Lowest premium |
|---|---|---|
| Aargau | 1 | CHF 524.60 |
| Appenzell Innerrhoden | 1 | CHF 402.70 |
| Appenzell Ausserrhoden | 1 | CHF 525.40 |
| Bern | 3 | CHF 536.20 |
| Basel-Landschaft | 2 | CHF 594.00 |
| Basel-Stadt | 1 | CHF 652.50 |
| Fribourg | 2 | CHF 509.30 |
| Geneva | 1 | CHF 669.10 |
| Glarus | 1 | CHF 444.60 |
| Grisons | 3 | CHF 461.00 |
| Jura | 1 | CHF 598.00 |
| Lucerne | 3 | CHF 467.30 |
| Neuchâtel | 1 | CHF 626.40 |
| Nidwalden | 1 | CHF 442.00 |
| Obwalden | 1 | CHF 445.40 |
| St. Gallen | 3 | CHF 512.50 |
| Schaffhausen | 2 | CHF 500.80 |
| Solothurn | 1 | CHF 548.90 |
| Schwyz | 1 | CHF 495.60 |
| Thurgau | 1 | CHF 497.70 |
| Ticino | 2 | CHF 620.90 |
| Uri | 1 | CHF 482.00 |
| Vaud | 2 | CHF 548.10 |
| Valais | 2 | CHF 503.00 |
| Zug | 1 | CHF 385.70 |
| Zurich | 3 | CHF 528.20 |
Adult, CHF 300 deductible, accident cover included.
We do not rate insurers and we recommend none. Since basic benefits are identical by law, the comparison rests on price, model and service.