Philos in the canton of Obwalden — 2026 premiums
Philos covers the 7 municipalities of the canton of Obwalden. Its lowest adult premium there is CHF 445.40 a month, with a 300-franc deductible and accident cover included.
Where it stands
Philos ranks 17 out of 26 active insurers in the canton of Obwalden, cheapest to dearest.
The cantonal average across all insurers is CHF 446.09 a month.
What switching would save you
Moving from Philos to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 751.20 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 Obwalden
This canton has a single premium region: the rate is the same everywhere.
| Region | Municipalities | For example | From |
|---|---|---|---|
| 0 | 7 | Alpnach, Engelberg, Giswil, Kerns | CHF 445.40 |
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 445.40 |
| Family doctor — PrimaCare | CHF 466.30 |
| Free choice of doctor — Grundversicherung | CHF 520.90 |
The other insurers in the canton of Obwalden
26 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 382.80 | View |
| Atupri Assurance de la santé SA | CHF 413.40 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 414.90 | View |
| Sanitas Grundversicherungen AG | CHF 418.20 | View |
| SWICA Assurance-maladie SA | CHF 420.70 | View |
| Visana AG | CHF 421.20 | View |
| EGK Grundversicherungen AG | CHF 425.50 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 427.20 | View |
| Helsana Assurances SA | CHF 429.20 | View |
| Vivao Sympany SA | CHF 431.70 | View |
| Aquilana Versicherungen | CHF 432.50 | View |
| CSS Assurance-maladie SA | CHF 434.00 | View |
| Sumiswalder Krankenkasse | CHF 439.20 | View |
| Mutuel Assurance | CHF 442.10 | View |
| sana24 AG | CHF 444.70 | View |
| Galenos AG | CHF 445.40 | View |
| Krankenkasse Luzerner Hinterland | CHF 452.25 | View |
| KPT Caisse-maladie SA | CHF 459.70 | View |
| Genossenschaft Krankenkasse Steffisburg | CHF 462.00 | View |
| Assura-Basis SA | CHF 470.70 | View |
| rhenusana | CHF 482.00 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 487.30 | View |
| Einsiedler Krankenkasse | CHF 503.20 | View |
| Avenir Assurance | CHF 505.10 | View |
| vita surselva | CHF 508.00 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.