Philos — Region 1 of canton Ticino, 2026 premiums
Philos covers the 70 municipalities of Region 1 in canton Ticino. Its lowest adult premium here is CHF 498.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 15 out of 21 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 645.99 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 919.20 a year for an adult on the same profile.
The full Philos table
208 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 772.50 | CHF 691.40 | CHF 660.50 |
| 500 | CHF 761.00 | CHF 679.90 | CHF 649.50 |
| 1'000 | CHF 732.00 | CHF 650.90 | CHF 622.00 |
| 1'500 | CHF 702.50 | CHF 621.40 | CHF 594.00 |
| 2'000 | CHF 673.50 | CHF 592.40 | CHF 565.40 |
| 2'500 | CHF 644.50 | CHF 563.40 | CHF 536.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 559.20 | CHF 511.70 | CHF 478.20 |
| 500 | CHF 547.70 | CHF 500.20 | CHF 466.70 |
| 1'000 | CHF 518.70 | CHF 471.20 | CHF 437.70 |
| 1'500 | CHF 489.20 | CHF 441.70 | CHF 408.20 |
| 2'000 | CHF 460.20 | CHF 412.70 | CHF 379.20 |
| 2'500 | CHF 431.20 | CHF 383.70 | CHF 350.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 134.70 | CHF 124.60 | CHF 119.20 |
| 100 | CHF 130.30 | CHF 120.20 | CHF 114.80 |
| 200 | CHF 126.00 | CHF 115.90 | CHF 110.50 |
| 300 | CHF 121.50 | CHF 111.50 | CHF 106.10 |
| 400 | CHF 117.20 | CHF 107.10 | CHF 101.70 |
| 500 | CHF 112.80 | CHF 102.80 | CHF 97.40 |
| 600 | CHF 108.40 | CHF 98.30 | CHF 92.90 |
With or without accident cover
With accident cover: CHF 772.50 a month. Without: CHF 718.50. Dropping it saves CHF 648.00 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 631.50 in 2025 to CHF 498.90 — a rise of 4.6 %.
The 70 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Ticino, not to the municipality.
Agno · Alto Malcantone · Aranno · Arbedo-Castione · Arogno · Ascona · Balerna · Bedano · Bellinzona · Bioggio · Bissone · Breggia · Brissago · Brusino Arsizio · Cademario · Cadempino · Cadenazzo · Canobbio · Capriasca · Caslano · Castel San Pietro · Chiasso · Coldrerio · Collina d'Oro · Comano · Cureglia · Gambarogno · Grancia · Gravesano · Isone · Lamone · Lema · Locarno · Losone · Lugano · Lumino · Magliaso · Manno · Massagno · Melide · Mendrisio · Mezzovico-Vira · Minusio · Monteceneri · Morbio Inferiore · Morcote · Muralto · Muzzano · Neggio · Novazzano · Origlio · Orselina · Paradiso · Ponte Capriasca · Porza · Pura · Riva San Vitale · Ronco sopra Ascona · Sant'Antonino · Savosa · Sorengo · Stabio · Tenero-Contra · Torricella-Taverne · Tresa · Vacallo · Val Mara · Vernate · Vezia · Vico Morcote
The other insurers in Region 1
21 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 583.90 | View |
| sana24 | CHF 593.80 | View |
| Aquilana | CHF 607.00 | View |
| KPT | CHF 613.30 | View |
| CONCORDIA | CHF 613.40 | View |
| Assura-Basis | CHF 617.80 | View |
| CSS | CHF 621.20 | View |
| Sanitas | CHF 624.80 | View |
| Helsana | CHF 629.10 | View |
| Galenos | CHF 630.00 | View |
| EGK | CHF 632.90 | View |
| ÖKK | CHF 637.80 | View |
| Atupri | CHF 640.90 | View |
| Vivao Sympany | CHF 659.50 | View |
| SWICA | CHF 669.50 | View |
| Mutuel | CHF 683.60 | View |
| Visana | CHF 683.80 | View |
| Avenir | CHF 684.40 | View |
| vita surselva | CHF 717.00 | View |
| rhenusana | CHF 761.60 | View |
Source: Federal Office of Public Health (FOPH), official premiums.