Philos — Region 1 of canton Vaud, 2026 premiums
Philos covers the 117 municipalities of Region 1 in canton Vaud. Its lowest adult premium here is CHF 463.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 18 out of 21 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 611.66 a month.
What staying costs
Moving from Philos to Atupri, the cheapest insurer in this region, saves CHF 675.60 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 763.90 | CHF 683.70 | CHF 653.20 | CHF 626.40 |
| 500 | CHF 752.40 | CHF 672.20 | CHF 641.70 | CHF 614.90 |
| 1'000 | CHF 723.40 | CHF 643.20 | CHF 612.70 | CHF 585.90 |
| 1'500 | CHF 693.90 | CHF 613.70 | CHF 583.20 | CHF 556.40 |
| 2'000 | CHF 664.90 | CHF 584.70 | CHF 554.20 | CHF 527.40 |
| 2'500 | CHF 635.90 | CHF 555.70 | CHF 525.20 | CHF 498.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 538.10 | CHF 492.40 | CHF 470.90 | CHF 457.40 |
| 500 | CHF 526.60 | CHF 480.90 | CHF 459.40 | CHF 445.90 |
| 1'000 | CHF 497.60 | CHF 451.90 | CHF 430.40 | CHF 416.90 |
| 1'500 | CHF 468.10 | CHF 422.40 | CHF 400.90 | CHF 387.40 |
| 2'000 | CHF 439.10 | CHF 393.40 | CHF 371.90 | CHF 358.40 |
| 2'500 | CHF 410.10 | CHF 364.40 | CHF 342.90 | CHF 329.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 145.50 | CHF 134.60 | CHF 130.30 | CHF 128.80 |
| 100 | CHF 141.20 | CHF 130.30 | CHF 125.90 | CHF 124.50 |
| 200 | CHF 136.80 | CHF 125.90 | CHF 121.60 | CHF 120.10 |
| 300 | CHF 132.40 | CHF 121.50 | CHF 117.10 | CHF 115.70 |
| 400 | CHF 128.10 | CHF 117.20 | CHF 112.80 | CHF 111.30 |
| 500 | CHF 123.70 | CHF 112.80 | CHF 108.40 | CHF 107.00 |
| 600 | CHF 119.30 | CHF 108.40 | CHF 104.00 | CHF 102.60 |
With or without accident cover
With accident cover: CHF 763.90 a month. Without: CHF 710.50. Dropping it saves CHF 640.80 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 608.20 in 2025 to CHF 463.60 — a rise of 3.0 %.
The 117 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Vaud, not to the municipality.
Aclens · Allaman · Arnex-sur-Nyon · Arzier-Le Muids · Aubonne · Ballens · Bassins · Begnins · Belmont-sur-Lausanne · Berolle · Bière · Blonay - Saint-Légier · Bogis-Bossey · Borex · Bougy-Villars · Bourg-en-Lavaux · Bremblens · Buchillon · Bursinel · Bursins · Burtigny · Bussigny · Chardonne · Chavannes-de-Bogis · Chavannes-des-Bois · Chavannes-près-Renens · Cheseaux-sur-Lausanne · Chexbres · Chigny · Chéserex · Clarmont · Coinsins · Commugny · Coppet · Corseaux · Corsier-sur-Vevey · Crans (VD) · Crassier · Crissier · Denens · Denges · Duillier · Dully · Echandens · Echichens · Ecublens (VD) · Epalinges · Essertines-sur-Rolle · Etoy · Eysins · Forel (Lavaux) · Founex · Féchy · Genolier · Gilly · Gimel · Gingins · Givrins · Gland · Grens · Jongny · Jouxtens-Mézery · La Rippe · La Tour-de-Peilz · Lausanne · Lavigny · Le Mont-sur-Lausanne · Le Vaud · Lonay · Longirod · Luins · Lully (VD) · Lussy-sur-Morges · Lutry · Marchissy · Mies · Mollens (VD) · Mont-sur-Rolle · Montreux · Morges · Nyon · Paudex · Perroy · Prangins · Prilly · Préverenges · Puidoux · Pully · Renens (VD) · Rivaz · Rolle · Romanel-sur-Lausanne · Romanel-sur-Morges · Saint-Cergue · Saint-George · Saint-Livres · Saint-Oyens · Saint-Prex · Saint-Saphorin (Lavaux) · Saint-Sulpice (VD) · Saubraz · Savigny · Signy-Avenex · Tannay · Tartegnin · Tolochenaz · Trélex · Vaux-sur-Morges · Vevey · Veytaux · Vich · Villars-Sainte-Croix · Villars-sous-Yens · Vinzel · Vufflens-le-Château · Vullierens · Yens
The other insurers in Region 1
21 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 570.10 | View |
| Sanitas | CHF 571.00 | View |
| CSS | CHF 575.90 | View |
| Assura-Basis | CHF 578.90 | View |
| Vivao Sympany | CHF 579.70 | View |
| Helsana | CHF 580.10 | View |
| SWICA | CHF 581.60 | View |
| Galenos | CHF 583.10 | View |
| sana24 | CHF 586.40 | View |
| Aquilana | CHF 590.70 | View |
| ÖKK | CHF 594.00 | View |
| CONCORDIA | CHF 596.70 | View |
| Avenir | CHF 598.80 | View |
| Visana | CHF 605.20 | View |
| Mutuel | CHF 617.50 | View |
| KPT | CHF 622.10 | View |
| EGK | CHF 626.40 | View |
| Agrisano | CHF 687.50 | View |
| vita surselva | CHF 722.00 | View |
| rhenusana | CHF 750.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums.