Philos — Region 1 of canton Zurich, 2026 premiums
Philos covers the 1 municipalities of Region 1 in canton Zurich. Its lowest adult premium here is CHF 432.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 23 out of 27 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 566.23 a month.
What staying costs
Moving from Philos to Atupri, the cheapest insurer in this region, saves CHF 909.60 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 694.10 | CHF 621.30 | CHF 593.50 | CHF 593.50 |
| 500 | CHF 682.60 | CHF 609.80 | CHF 582.00 | CHF 582.50 |
| 1'000 | CHF 653.60 | CHF 580.80 | CHF 553.00 | CHF 555.00 |
| 1'500 | CHF 624.10 | CHF 551.30 | CHF 523.50 | CHF 527.00 |
| 2'000 | CHF 595.10 | CHF 522.30 | CHF 494.50 | CHF 498.00 |
| 2'500 | CHF 566.10 | CHF 493.30 | CHF 465.50 | CHF 469.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 527.80 | CHF 483.00 | CHF 461.90 | CHF 451.30 |
| 500 | CHF 516.30 | CHF 471.50 | CHF 450.40 | CHF 439.80 |
| 1'000 | CHF 487.30 | CHF 442.50 | CHF 421.40 | CHF 410.80 |
| 1'500 | CHF 457.80 | CHF 413.00 | CHF 391.90 | CHF 381.30 |
| 2'000 | CHF 428.80 | CHF 384.00 | CHF 362.90 | CHF 352.30 |
| 2'500 | CHF 399.80 | CHF 355.00 | CHF 333.90 | CHF 323.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 139.30 | CHF 128.90 | CHF 124.70 | CHF 123.30 |
| 100 | CHF 135.00 | CHF 124.50 | CHF 120.40 | CHF 119.00 |
| 200 | CHF 130.60 | CHF 120.20 | CHF 116.00 | CHF 114.60 |
| 300 | CHF 126.20 | CHF 115.80 | CHF 111.60 | CHF 110.20 |
| 400 | CHF 121.80 | CHF 111.40 | CHF 107.20 | CHF 105.80 |
| 500 | CHF 117.50 | CHF 107.10 | CHF 102.90 | CHF 101.50 |
| 600 | CHF 113.10 | CHF 102.60 | CHF 98.50 | CHF 97.10 |
With or without accident cover
With accident cover: CHF 694.10 a month. Without: CHF 645.60. Dropping it saves CHF 582.00 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 560.90 in 2025 to CHF 432.90 — a rise of 5.8 %.
The 1 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Zurich, not to the municipality.
The other insurers in Region 1
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 517.70 | View |
| Assura-Basis | CHF 522.80 | View |
| Vivao Sympany | CHF 527.90 | View |
| CSS | CHF 530.60 | View |
| SLKK | CHF 532.60 | View |
| Sanitas | CHF 532.70 | View |
| Helsana | CHF 533.60 | View |
| Avenir | CHF 540.20 | View |
| KPT | CHF 543.80 | View |
| CONCORDIA | CHF 544.00 | View |
| Mutuel | CHF 553.50 | View |
| SWICA | CHF 553.70 | View |
| ÖKK | CHF 556.30 | View |
| sana24 | CHF 561.10 | View |
| Sumiswalder | CHF 561.50 | View |
| EGK | CHF 571.30 | View |
| Aquilana | CHF 572.00 | View |
| Luzerner Hinterland | CHF 573.95 | View |
| Wädenswil | CHF 578.50 | View |
| Agrisano | CHF 579.00 | View |
| Visana | CHF 580.90 | View |
| Steffisburg | CHF 582.20 | View |
| rhenusana | CHF 600.00 | View |
| Galenos | CHF 628.50 | View |
| vita surselva | CHF 633.65 | View |
| Einsiedler | CHF 682.75 | View |
Source: Federal Office of Public Health (FOPH), official premiums.