Philos in canton Appenzell Ausserrhoden: twelve years of premiums
In canton Appenzell Ausserrhoden, the lowest Philos premium went from CHF 259.30 a month in 2015 to CHF 525.40 in 2026 — a rise of +102.6 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 259.30 | CHF 236.00 | CHF 23.30 |
| 2016 | CHF 274.70 | CHF 266.80 | CHF 7.90 |
| 2017 | CHF 307.70 | CHF 288.70 | CHF 19.00 |
| 2018 | CHF 336.20 | CHF 302.10 | CHF 34.10 |
| 2019 | CHF 356.10 | CHF 320.40 | CHF 35.70 |
| 2020 | CHF 377.30 | CHF 339.10 | CHF 38.20 |
| 2021 | CHF 377.30 | CHF 336.80 | CHF 40.50 |
| 2022 | CHF 366.10 | CHF 345.20 | CHF 20.90 |
| 2023 | CHF 391.20 | CHF 341.20 | CHF 50.00 |
| 2024 | CHF 450.80 | CHF 373.20 | CHF 77.60 |
| 2025 | CHF 504.20 | CHF 395.60 | CHF 108.60 |
| 2026 | CHF 525.40 | CHF 412.30 | CHF 113.10 |
Faster or slower than the rest?
Philos rose +102.6 % over the period, against +74.7 % for the cheapest insurer in the same place. The gap widened: staying put cost a little more every year.
The year that hurt — The steepest year-on-year jump was 2024: +15.2 % in one go. The premium did not move in 2021.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.