Philos in the canton of Basel-Stadt — 2026 premiums
Philos covers the 3 municipalities of the canton of Basel-Stadt. Its lowest adult premium there is CHF 652.50 a month, with a 300-franc deductible and accident cover included.
Where it stands
Philos ranks 19 out of 23 active insurers in the canton of Basel-Stadt, cheapest to dearest.
The cantonal average across all insurers is CHF 625.33 a month.
What switching would save you
Moving from Philos to CSS Assurance-maladie SA, the canton’s cheapest insurer, would save you CHF 919.20 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Basel-Stadt
This canton has a single premium region: the rate is the same everywhere.
| Region | Municipalities | For example | From |
|---|---|---|---|
| Region 0 | 3 | Basel, Bettingen, Riehen | CHF 652.50 |
The models offered by Philos
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| Other model — PrimaFlex | CHF 652.50 |
| HMO practice — OptiMed | CHF 652.50 |
| Family doctor — PrimaCare | CHF 683.00 |
| Free choice of doctor — Grundversicherung | CHF 763.10 |
The twelve years, year by year
Since 2015, the lowest Philos premium here has moved by +42.2 %, against +55.3 % for the cheapest insurer in the same place. The twelve years, year by year
Same group, a different price
- In this region Mutuel belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 706.80 less per year, for cover the law defines word for word the same way. CHF 593.60
- In this region Avenir belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 604.80 less per year, for cover the law defines word for word the same way. CHF 602.10
Two brands of the same house share reserves and management; their prices do not. Switching inside a group is still a real change of contract: the same cancellation rules apply.
The other insurers in the canton of Basel-Stadt
23 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| CSS Assurance-maladie SA | CHF 575.90 | View |
| Assura-Basis SA | CHF 576.10 | View |
| sana24 AG | CHF 581.10 | View |
| Helsana Assurances SA | CHF 581.40 | View |
| Vivao Sympany SA | CHF 589.00 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 593.20 | View |
| Mutuel Assurance Maladie SA | CHF 593.60 | View |
| SWICA Assurance-maladie SA | CHF 593.90 | View |
| Sanitas Grundversicherungen AG | CHF 598.40 | View |
| Avenir Assurance Maladie SA | CHF 602.10 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 604.10 | View |
| Atupri Assurance de la santé SA | CHF 604.50 | View |
| KPT Caisse-maladie SA | CHF 607.10 | View |
| Agrisano Krankenkasse AG | CHF 607.30 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 610.80 | View |
| Visana AG | CHF 630.40 | View |
| Galenos AG | CHF 635.30 | View |
| EGK Grundversicherungen AG | CHF 649.00 | View |
| Aquilana Versicherungen | CHF 675.90 | View |
| Sumiswalder Krankenkasse | CHF 696.90 | View |
| rhenusana | CHF 745.00 | View |
| vita surselva | CHF 779.00 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.