Philos — Region 2 of canton Vaud, 2026 premiums
Philos covers the 183 municipalities of Region 2 in canton Vaud. Its lowest adult premium here is CHF 390.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 3 out of 21 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 575.16 a month.
What staying costs
Moving from Philos to Assura-Basis, the cheapest insurer in this region, saves CHF 129.60 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 668.50 | CHF 598.30 | CHF 571.50 | CHF 548.10 |
| 500 | CHF 657.00 | CHF 586.80 | CHF 560.00 | CHF 536.60 |
| 1'000 | CHF 628.00 | CHF 557.80 | CHF 531.00 | CHF 507.60 |
| 1'500 | CHF 598.50 | CHF 528.30 | CHF 501.50 | CHF 478.10 |
| 2'000 | CHF 569.50 | CHF 499.30 | CHF 472.50 | CHF 449.10 |
| 2'500 | CHF 540.50 | CHF 470.30 | CHF 443.50 | CHF 420.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 470.90 | CHF 430.90 | CHF 412.00 | CHF 400.30 |
| 500 | CHF 459.40 | CHF 419.40 | CHF 400.50 | CHF 388.80 |
| 1'000 | CHF 430.40 | CHF 390.40 | CHF 371.50 | CHF 359.80 |
| 1'500 | CHF 400.90 | CHF 360.90 | CHF 342.00 | CHF 330.30 |
| 2'000 | CHF 371.90 | CHF 331.90 | CHF 313.00 | CHF 301.30 |
| 2'500 | CHF 342.90 | CHF 302.90 | CHF 284.00 | CHF 272.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 127.40 | CHF 117.80 | CHF 114.00 | CHF 112.70 |
| 100 | CHF 123.00 | CHF 113.50 | CHF 109.60 | CHF 108.40 |
| 200 | CHF 118.70 | CHF 109.10 | CHF 105.30 | CHF 104.00 |
| 300 | CHF 114.20 | CHF 104.70 | CHF 100.90 | CHF 99.60 |
| 400 | CHF 109.90 | CHF 100.30 | CHF 96.50 | CHF 95.20 |
| 500 | CHF 105.50 | CHF 96.00 | CHF 92.20 | CHF 90.90 |
| 600 | CHF 101.10 | CHF 91.60 | CHF 87.70 | CHF 86.50 |
With or without accident cover
With accident cover: CHF 668.50 a month. Without: CHF 621.70. Dropping it saves CHF 561.60 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 535.20 in 2025 to CHF 390.70 — a rise of 2.4 %.
The 183 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Vaud, not to the municipality.
Agiez · Aigle · Arnex-sur-Orbe · Assens · Avenches · Ballaigues · Baulmes · Bavois · Belmont-sur-Yverdon · Bercher · Bettens · Bex · Bioley-Magnoux · Bofflens · Bonvillars · Bottens · Boulens · Bournens · Boussens · Bretigny-sur-Morrens · Bretonnières · Bullet · Bussy-sur-Moudon · Chamblon · Champagne · Champtauroz · Champvent · Chavannes-le-Chêne · Chavannes-le-Veyron · Chavannes-sur-Moudon · Chavornay · Cheseaux-Noréaz · Chessel · Chevilly · Chevroux · Château-d'Oex · Chêne-Pâquier · Concise · Corbeyrier · Corcelles-le-Jorat · Corcelles-près-Concise · Corcelles-près-Payerne · Cossonay · Cronay · Croy · Cuarnens · Cuarny · Cudrefin · Cugy (VD) · Curtilles · Daillens · Dizy · Dompierre (VD) · Donneloye · Démoret · Echallens · Eclépens · Ependes (VD) · Essertines-sur-Yverdon · Etagnières · Faoug · Ferreyres · Fey · Fiez · Fontaines-sur-Grandson · Froideville · Giez · Gollion · Goumoëns · Grancy · Grandcour · Grandevent · Grandson · Gryon · Hautemorges · Henniez · Hermenches · Jorat-Menthue · Jorat-Mézières · Juriens · L'Abbaye · L'Abergement · L'Isle · La Chaux (Cossonay) · La Praz · La Sarraz · Lavey-Morcles · Le Chenit · Le Lieu · Les Clées · Leysin · Lignerolle · Lovatens · Lucens · Lussery-Villars · Maracon · Mathod · Mauborget · Mauraz · Mex (VD) · Missy · Moiry · Molondin · Mont-la-Ville · Montagny-près-Yverdon · Montanaire · Montcherand · Montilliez · Montpreveyres · Montricher · Morrens (VD) · Moudon · Mutrux · Novalles · Noville · Ogens · Ollon · Onnens (VD) · Oppens · Orbe · Orges · Ormont-Dessous · Ormont-Dessus · Orny · Oron · Orzens · Oulens-sous-Echallens · Pailly · Payerne · Penthalaz · Penthaz · Penthéréaz · Poliez-Pittet · Pompaples · Pomy · Premier · Provence · Prévonloup · Rances · Rennaz · Roche (VD) · Romainmôtier-Envy · Ropraz · Rossenges · Rossinière · Rougemont · Rovray · Rueyres · Saint-Barthélemy (VD) · Sainte-Croix · Senarclens · Sergey · Servion · Suchy · Sullens · Suscévaz · Syens · Trey · Treycovagnes · Treytorrens (Payerne) · Tévenon · Ursins · Valbroye · Valeyres-sous-Montagny · Valeyres-sous-Rances · Valeyres-sous-Ursins · Vallorbe · Vaulion · Villars-Epeney · Villars-le-Comte · Villars-le-Terroir · Villarzel · Villeneuve (VD) · Vuarrens · Vucherens · Vufflens-la-Ville · Vugelles-La Mothe · Vuiteboeuf · Vulliens · Vully-les-Lacs · Yverdon-les-Bains · Yvonand · Yvorne
The other insurers in Region 2
21 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Assura-Basis | CHF 537.30 | View |
| Atupri | CHF 539.50 | View |
| sana24 | CHF 550.70 | View |
| Galenos | CHF 553.60 | View |
| EGK | CHF 554.30 | View |
| CSS | CHF 554.40 | View |
| Avenir | CHF 556.90 | View |
| SWICA | CHF 558.80 | View |
| Helsana | CHF 560.10 | View |
| Sanitas | CHF 561.60 | View |
| Aquilana | CHF 562.40 | View |
| KPT | CHF 562.50 | View |
| Vivao Sympany | CHF 564.40 | View |
| CONCORDIA | CHF 566.50 | View |
| ÖKK | CHF 567.00 | View |
| Mutuel | CHF 580.50 | View |
| Visana | CHF 580.90 | View |
| Agrisano | CHF 630.10 | View |
| vita surselva | CHF 668.00 | View |
| rhenusana | CHF 720.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums.