Philos in the canton of Vaud — 2026 premiums
Philos covers the 300 municipalities of the canton of Vaud. Its lowest adult premium there is CHF 548.10 a month, with a 300-franc deductible and accident cover included.
Where it stands
Philos ranks 3 out of 21 active insurers in the canton of Vaud, cheapest to dearest.
The cantonal average across all insurers is CHF 575.16 a month.
What switching would save you
Moving from Philos to Assura-Basis SA, the canton’s cheapest insurer, would save you CHF 129.60 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 Vaud
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
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 — SanaTel | CHF 626.40 |
| HMO practice — OptiMed | CHF 653.20 |
| Family doctor — PrimaCare | CHF 683.70 |
| Free choice of doctor — Grundversicherung | CHF 763.90 |
The twelve years, year by year
Since 2015, the lowest Philos premium here has moved by +50.3 %, against +63.9 % 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 — Groupe Mutuel — and costs CHF 105.60 more per year. You are already on the right side. CHF 556.90
- In this region Mutuel belongs to the same group — Groupe Mutuel — and costs CHF 388.80 more per year. You are already on the right side. CHF 580.50
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 Vaud
21 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Assura-Basis SA | CHF 537.30 | View |
| Atupri Assurance de la santé SA | CHF 539.50 | View |
| sana24 AG | CHF 550.70 | View |
| Galenos AG | CHF 553.60 | View |
| EGK Grundversicherungen AG | CHF 554.30 | View |
| CSS Assurance-maladie SA | CHF 554.40 | View |
| Avenir Assurance Maladie SA | CHF 556.90 | View |
| SWICA Assurance-maladie SA | CHF 558.80 | View |
| Helsana Assurances SA | CHF 560.10 | View |
| Sanitas Grundversicherungen AG | CHF 561.60 | View |
| Aquilana Versicherungen | CHF 562.40 | View |
| KPT Caisse-maladie SA | CHF 562.50 | View |
| Vivao Sympany SA | CHF 564.40 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 566.50 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 567.00 | View |
| Mutuel Assurance Maladie SA | CHF 580.50 | View |
| Visana AG | CHF 580.90 | View |
| Agrisano Krankenkasse AG | CHF 630.10 | View |
| vita surselva | CHF 668.00 | View |
| rhenusana | CHF 720.70 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.