Philos in canton Appenzell Innerrhoden: twelve years of premiums
In canton Appenzell Innerrhoden, the lowest Philos premium went from CHF 236.30 a month in 2015 to CHF 402.70 in 2026 — a rise of +70.4 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 236.30 | CHF 236.30 | — |
| 2016 | CHF 250.40 | CHF 249.50 | CHF 0.90 |
| 2017 | CHF 287.30 | CHF 272.50 | CHF 14.80 |
| 2018 | CHF 324.90 | CHF 282.40 | CHF 42.50 |
| 2019 | CHF 324.90 | CHF 280.20 | CHF 44.70 |
| 2020 | CHF 326.80 | CHF 285.90 | CHF 40.90 |
| 2021 | CHF 326.80 | CHF 272.10 | CHF 54.70 |
| 2022 | CHF 323.10 | CHF 278.10 | CHF 45.00 |
| 2023 | CHF 336.60 | CHF 310.60 | CHF 26.00 |
| 2024 | CHF 378.60 | CHF 329.60 | CHF 49.00 |
| 2025 | CHF 385.30 | CHF 345.60 | CHF 39.70 |
| 2026 | CHF 402.70 | CHF 353.50 | CHF 49.20 |
Faster or slower than the rest?
Philos rose +70.4 % over the period, against +49.6 % 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 2017: +14.7 % in one go. The premium did not move in 2019, 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.