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 · Part of the Groupe Mutuel group.
Models offered
DIV
- PrimaFlex
- SanaTel
HAM
- PrimaCare
HMO
- OptiMed
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.