Philos in canton Basel-Stadt: twelve years of premiums
In canton Basel-Stadt, the lowest Philos premium went from CHF 459.00 a month in 2015 to CHF 652.50 in 2026 — a rise of +42.2 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 459.00 | CHF 370.80 | CHF 88.20 |
| 2016 | CHF 470.70 | CHF 402.00 | CHF 68.70 |
| 2017 | CHF 509.90 | CHF 433.30 | CHF 76.60 |
| 2018 | CHF 562.80 | CHF 454.10 | CHF 108.70 |
| 2019 | CHF 571.50 | CHF 470.20 | CHF 101.30 |
| 2020 | CHF 546.70 | CHF 486.60 | CHF 60.10 |
| 2021 | CHF 546.70 | CHF 486.30 | CHF 60.40 |
| 2022 | CHF 548.80 | CHF 481.40 | CHF 67.40 |
| 2023 | CHF 542.40 | CHF 501.60 | CHF 40.80 |
| 2024 | CHF 584.40 | CHF 544.70 | CHF 39.70 |
| 2025 | CHF 624.40 | CHF 557.50 | CHF 66.90 |
| 2026 | CHF 652.50 | CHF 575.90 | CHF 76.60 |
Faster or slower than the rest?
Philos rose +42.2 % over the period, against +55.3 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2018: +10.4 % 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.