Philos — Region 3 of canton Zurich, 2026 premiums
Philos covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 372.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 25 out of 27 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 476.41 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 1'204.80 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 617.80 | CHF 552.90 | CHF 528.20 | CHF 528.20 |
| 500 | CHF 606.30 | CHF 541.40 | CHF 516.70 | CHF 517.20 |
| 1'000 | CHF 577.30 | CHF 512.40 | CHF 487.70 | CHF 489.70 |
| 1'500 | CHF 547.80 | CHF 482.90 | CHF 458.20 | CHF 461.30 |
| 2'000 | CHF 518.80 | CHF 453.90 | CHF 429.20 | CHF 432.30 |
| 2'500 | CHF 489.80 | CHF 424.90 | CHF 400.20 | CHF 403.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 469.80 | CHF 429.90 | CHF 411.10 | CHF 401.70 |
| 500 | CHF 458.30 | CHF 418.40 | CHF 399.60 | CHF 390.20 |
| 1'000 | CHF 429.30 | CHF 389.40 | CHF 370.60 | CHF 361.20 |
| 1'500 | CHF 399.80 | CHF 359.90 | CHF 341.10 | CHF 331.70 |
| 2'000 | CHF 370.80 | CHF 330.90 | CHF 312.10 | CHF 302.70 |
| 2'500 | CHF 341.80 | CHF 301.90 | CHF 283.10 | CHF 273.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 124.00 | CHF 114.70 | CHF 111.00 | CHF 109.70 |
| 100 | CHF 119.70 | CHF 110.40 | CHF 106.60 | CHF 105.40 |
| 200 | CHF 115.30 | CHF 106.00 | CHF 102.30 | CHF 101.00 |
| 300 | CHF 110.90 | CHF 101.60 | CHF 97.90 | CHF 96.60 |
| 400 | CHF 106.50 | CHF 97.20 | CHF 93.50 | CHF 92.30 |
| 500 | CHF 102.20 | CHF 92.90 | CHF 89.20 | CHF 87.90 |
| 600 | CHF 97.80 | CHF 88.50 | CHF 84.70 | CHF 83.50 |
With or without accident cover
With accident cover: CHF 617.80 a month. Without: CHF 574.60. Dropping it saves CHF 518.40 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 499.20 in 2025 to CHF 372.20 — a rise of 5.8 %.
The 122 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Zurich, not to the municipality.
Aesch (ZH) · Aeugst am Albis · Affoltern am Albis · Altikon · Andelfingen · Bachenbülach · Bachs · Bassersdorf · Bauma · Benken (ZH) · Berg am Irchel · Birmensdorf (ZH) · Bonstetten · Boppelsen · Brütten · Bubikon · Buch am Irchel · Buchs (ZH) · Bäretswil · Bülach · Dachsen · Dielsdorf · Dinhard · Dorf · Dägerlen · Dällikon · Dänikon · Dättlikon · Dürnten · Eglisau · Elgg · Ellikon an der Thur · Elsau · Embrach · Fehraltorf · Feuerthalen · Fischenthal · Flaach · Flurlingen · Freienstein-Teufen · Geroldswil · Glattfelden · Gossau (ZH) · Grüningen · Hagenbuch · Hausen am Albis · Hedingen · Henggart · Hettlingen · Hinwil · Hittnau · Hochfelden · Höri · Hüntwangen · Hüttikon · Illnau-Effretikon · Kappel am Albis · Kleinandelfingen · Knonau · Langnau am Albis · Laufen-Uhwiesen · Lindau · Lufingen · Marthalen · Maschwanden · Mettmenstetten · Neerach · Neftenbach · Niederglatt · Niederhasli · Niederweningen · Nürensdorf · Oberembrach · Oberengstringen · Oberglatt · Oberrieden · Oberweningen · Obfelden · Oetwil an der Limmat · Ossingen · Otelfingen · Ottenbach · Pfungen · Pfäffikon · Rafz · Regensberg · Rheinau · Rickenbach (ZH) · Rifferswil · Rorbas · Russikon · Rüschlikon · Rüti (ZH) · Schlatt (ZH) · Schleinikon · Schöfflisdorf · Seegräben · Seuzach · Stadel · Stallikon · Stammheim · Steinmaur · Thalheim an der Thur · Truttikon · Trüllikon · Turbenthal · Uitikon · Unterengstringen · Volken · Wald (ZH) · Wasterkingen · Weiach · Weiningen (ZH) · Weisslingen · Wettswil am Albis · Wetzikon (ZH) · Wiesendangen · Wil (ZH) · Wila · Wildberg · Winkel · Zell (ZH)
The other insurers in Region 3
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 427.80 | View |
| SLKK | CHF 439.40 | View |
| rhenusana | CHF 447.90 | View |
| Sanitas | CHF 451.40 | View |
| Wädenswil | CHF 452.80 | View |
| ÖKK | CHF 453.10 | View |
| Assura-Basis | CHF 454.00 | View |
| CONCORDIA | CHF 461.20 | View |
| Visana | CHF 462.70 | View |
| Aquilana | CHF 463.20 | View |
| SWICA | CHF 463.40 | View |
| Helsana | CHF 464.80 | View |
| Sumiswalder | CHF 465.60 | View |
| EGK | CHF 466.50 | View |
| Atupri | CHF 469.00 | View |
| Luzerner Hinterland | CHF 469.25 | View |
| Galenos | CHF 471.70 | View |
| CSS | CHF 472.40 | View |
| KPT | CHF 476.80 | View |
| Mutuel | CHF 492.60 | View |
| Vivao Sympany | CHF 497.20 | View |
| sana24 | CHF 497.70 | View |
| Avenir | CHF 502.40 | View |
| vita surselva | CHF 525.35 | View |
| Steffisburg | CHF 528.80 | View |
| Einsiedler | CHF 558.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums.