Philos — Region 2 of canton Ticino, 2026 premiums
Philos covers the 30 municipalities of Region 2 in canton Ticino. Its lowest adult premium here is CHF 461.80 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 2, cheapest to dearest.
The regional average across insurers is CHF 605.36 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 982.80 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 726.20 | CHF 650.00 | CHF 620.90 |
| 500 | CHF 714.70 | CHF 638.50 | CHF 609.90 |
| 1'000 | CHF 685.70 | CHF 609.50 | CHF 582.40 |
| 1'500 | CHF 656.20 | CHF 580.00 | CHF 554.40 |
| 2'000 | CHF 627.20 | CHF 551.00 | CHF 525.50 |
| 2'500 | CHF 598.20 | CHF 522.00 | CHF 496.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 525.70 | CHF 481.00 | CHF 449.50 |
| 500 | CHF 514.20 | CHF 469.50 | CHF 438.00 |
| 1'000 | CHF 485.20 | CHF 440.50 | CHF 409.00 |
| 1'500 | CHF 455.70 | CHF 411.00 | CHF 379.50 |
| 2'000 | CHF 426.70 | CHF 382.00 | CHF 350.50 |
| 2'500 | CHF 397.70 | CHF 353.00 | CHF 321.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 126.60 | CHF 117.10 | CHF 112.00 |
| 100 | CHF 122.20 | CHF 112.80 | CHF 107.70 |
| 200 | CHF 117.90 | CHF 108.40 | CHF 103.30 |
| 300 | CHF 113.50 | CHF 104.00 | CHF 98.90 |
| 400 | CHF 109.10 | CHF 99.60 | CHF 94.60 |
| 500 | CHF 104.80 | CHF 95.30 | CHF 90.20 |
| 600 | CHF 100.30 | CHF 90.90 | CHF 85.80 |
With or without accident cover
With accident cover: CHF 726.20 a month. Without: CHF 675.40. Dropping it saves CHF 609.60 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 593.60 in 2025 to CHF 461.80 — a rise of 4.6 %.
The 30 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Ticino, not to the municipality.
Acquarossa · Airolo · Avegno Gordevio · Bedretto · Biasca · Blenio · Bosco/Gurin · Brione sopra Minusio · Campo (Vallemaggia) · Centovalli · Cerentino · Cevio · Cugnasco-Gerra · Dalpe · Faido · Giornico · Gordola · Lavertezzo · Lavizzara · Linescio · Maggia · Mergoscia · Onsernone · Personico · Pollegio · Quinto · Riviera · Serravalle · Terre di Pedemonte · Verzasca
The other insurers in Region 2
21 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 539.00 | View |
| sana24 | CHF 560.60 | View |
| Helsana | CHF 565.80 | View |
| KPT | CHF 565.90 | View |
| CONCORDIA | CHF 571.60 | View |
| ÖKK | CHF 574.20 | View |
| Atupri | CHF 576.70 | View |
| Assura-Basis | CHF 579.00 | View |
| Galenos | CHF 584.70 | View |
| EGK | CHF 584.90 | View |
| Sanitas | CHF 586.05 | View |
| Aquilana | CHF 589.30 | View |
| CSS | CHF 609.80 | View |
| Vivao Sympany | CHF 620.40 | View |
| Avenir | CHF 629.70 | View |
| SWICA | CHF 645.80 | View |
| Mutuel | CHF 649.40 | View |
| Visana | CHF 677.00 | View |
| vita surselva | CHF 681.15 | View |
| rhenusana | CHF 700.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums.