Philos in the canton of Thurgau — 2026 premiums
Philos covers the 80 municipalities of the canton of Thurgau. Its lowest adult premium there is CHF 497.70 a month, with a 300-franc deductible and accident cover included.
Where it stands
Philos ranks 20 out of 23 active insurers in the canton of Thurgau, cheapest to dearest.
The cantonal average across all insurers is CHF 476.43 a month.
What switching would save you
Moving from Philos to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 816.00 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 Thurgau
This canton has a single premium region: the rate is the same everywhere.
| Region | Municipalities | For example | From |
|---|---|---|---|
| Region 0 | 80 | Aadorf, Affeltrangen, Altnau, Amlikon-Bissegg | CHF 497.70 |
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 497.70 |
| HMO practice — OptiMed | CHF 497.70 |
| Family doctor — PrimaCare | CHF 521.00 |
| Free choice of doctor — Grundversicherung | CHF 582.10 |
The twelve years, year by year
Since 2015, the lowest Philos premium here has moved by +58.6 %, against +55.2 % for the cheapest insurer in the same place. The twelve years, year by year
Same group, a different price
- In this region Avenir belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 351.60 less per year, for cover the law defines word for word the same way. CHF 468.40
- In this region Mutuel belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 110.40 less per year, for cover the law defines word for word the same way. CHF 488.50
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 Thurgau
23 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 429.70 | View |
| Atupri Assurance de la santé SA | CHF 448.00 | View |
| Galenos AG | CHF 452.80 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 457.30 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 458.90 | View |
| CSS Assurance-maladie SA | CHF 459.90 | View |
| Sanitas Grundversicherungen AG | CHF 463.20 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 464.70 | View |
| KPT Caisse-maladie SA | CHF 467.40 | View |
| EGK Grundversicherungen AG | CHF 468.00 | View |
| Avenir Assurance Maladie SA | CHF 468.40 | View |
| SWICA Assurance-maladie SA | CHF 468.80 | View |
| Vivao Sympany SA | CHF 470.80 | View |
| Helsana Assurances SA | CHF 474.30 | View |
| Sumiswalder Krankenkasse | CHF 485.30 | View |
| Mutuel Assurance Maladie SA | CHF 488.50 | View |
| sana24 AG | CHF 492.50 | View |
| rhenusana | CHF 494.60 | View |
| Assura-Basis SA | CHF 495.30 | View |
| Visana AG | CHF 504.60 | View |
| Aquilana Versicherungen | CHF 522.80 | View |
| vita surselva | CHF 524.40 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.