Philos — Region 1 of canton Valais, 2026 premiums
Philos covers the 53 municipalities of Region 1 in canton Valais. Its lowest adult premium here is CHF 378.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 21 out of 26 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 518.43 a month.
What staying costs
Moving from Philos to Atupri, the cheapest insurer in this region, saves CHF 646.80 a year for an adult on the same profile.
The full Philos table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 625.80 | CHF 560.10 | CHF 535.10 | CHF 535.10 |
| 500 | CHF 614.30 | CHF 548.60 | CHF 523.60 | CHF 524.10 |
| 1'000 | CHF 585.30 | CHF 519.60 | CHF 494.60 | CHF 496.60 |
| 1'500 | CHF 555.80 | CHF 490.10 | CHF 465.10 | CHF 468.20 |
| 2'000 | CHF 526.80 | CHF 461.10 | CHF 436.10 | CHF 439.20 |
| 2'500 | CHF 497.80 | CHF 432.10 | CHF 407.10 | CHF 410.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 450.70 | CHF 412.40 | CHF 394.40 | CHF 385.40 |
| 500 | CHF 439.20 | CHF 400.90 | CHF 382.90 | CHF 373.90 |
| 1'000 | CHF 410.20 | CHF 371.90 | CHF 353.90 | CHF 344.90 |
| 1'500 | CHF 380.70 | CHF 342.40 | CHF 324.40 | CHF 315.40 |
| 2'000 | CHF 351.70 | CHF 313.40 | CHF 295.40 | CHF 286.40 |
| 2'500 | CHF 322.70 | CHF 284.40 | CHF 266.40 | CHF 257.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 100.80 | CHF 93.20 | CHF 90.20 | CHF 89.20 |
| 100 | CHF 96.40 | CHF 88.90 | CHF 85.80 | CHF 84.80 |
| 200 | CHF 92.10 | CHF 84.50 | CHF 81.50 | CHF 80.50 |
| 300 | CHF 87.60 | CHF 80.10 | CHF 77.10 | CHF 76.10 |
| 400 | CHF 83.30 | CHF 75.70 | CHF 72.70 | CHF 71.70 |
| 500 | CHF 78.90 | CHF 71.40 | CHF 68.40 | CHF 67.40 |
| 600 | CHF 74.50 | CHF 67.00 | CHF 63.90 | CHF 62.90 |
With or without accident cover
With accident cover: CHF 625.80 a month. Without: CHF 582.00. Dropping it saves CHF 525.60 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 505.70 in 2025 to CHF 378.60 — a rise of 5.8 %.
The 53 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Valais, not to the municipality.
Arbaz · Ardon · Ayent · Bourg-Saint-Pierre · Bovernier · Chalais · Chamoson · Champéry · Chippis · Collombey-Muraz · Collonges · Conthey · Crans-Montana · Dorénaz · Evionnaz · Finhaut · Fully · Grimisuat · Grône · Icogne · Isérables · Lens · Leytron · Liddes · Martigny · Martigny-Combe · Massongex · Monthey · Nendaz · Noble-Contrée · Orsières · Port-Valais · Riddes · Saillon · Saint-Gingolph · Saint-Léonard · Saint-Maurice · Salvan · Savièse · Saxon · Sembrancher · Sierre · Sion · Trient · Troistorrents · Val de Bagnes · Val-d'Illiez · Vernayaz · Veysonnaz · Vionnaz · Vouvry · Vérossaz · Vétroz
The other insurers in Region 1
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 481.20 | View |
| Sanitas | CHF 487.10 | View |
| Visana | CHF 488.30 | View |
| SWICA | CHF 493.80 | View |
| sana24 | CHF 496.90 | View |
| CONCORDIA | CHF 498.00 | View |
| Helsana | CHF 498.10 | View |
| sodalis | CHF 499.20 | View |
| ÖKK | CHF 499.50 | View |
| CSS | CHF 499.70 | View |
| Galenos | CHF 501.70 | View |
| Mutuel | CHF 503.20 | View |
| Vivao Sympany | CHF 504.30 | View |
| KPT | CHF 504.90 | View |
| Assura-Basis | CHF 505.60 | View |
| AMB | CHF 510.10 | View |
| Sumiswalder | CHF 518.70 | View |
| vallée d’Entremont | CHF 524.40 | View |
| Aquilana | CHF 528.70 | View |
| EGK | CHF 530.40 | View |
| Avenir | CHF 545.00 | View |
| Agrisano | CHF 553.80 | View |
| Steffisburg | CHF 581.20 | View |
| vita surselva | CHF 587.00 | View |
| rhenusana | CHF 603.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.