Philos in canton Bern: twelve years of premiums
In canton Bern, the lowest Philos premium went from CHF 329.00 a month in 2015 to CHF 536.20 in 2026 — a rise of +63.0 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 329.00 | CHF 298.10 | CHF 30.90 |
| 2016 | CHF 334.50 | CHF 319.60 | CHF 14.90 |
| 2017 | CHF 368.00 | CHF 334.70 | CHF 33.30 |
| 2018 | CHF 418.00 | CHF 343.80 | CHF 74.20 |
| 2019 | CHF 422.30 | CHF 363.50 | CHF 58.80 |
| 2020 | CHF 398.80 | CHF 371.20 | CHF 27.60 |
| 2021 | CHF 413.00 | CHF 368.50 | CHF 44.50 |
| 2022 | CHF 413.00 | CHF 369.00 | CHF 44.00 |
| 2023 | CHF 430.20 | CHF 376.00 | CHF 54.20 |
| 2024 | CHF 479.70 | CHF 403.20 | CHF 76.50 |
| 2025 | CHF 517.50 | CHF 421.30 | CHF 96.20 |
| 2026 | CHF 536.20 | CHF 447.50 | CHF 88.70 |
Faster or slower than the rest?
Philos rose +63.0 % over the period, against +50.1 % 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 2018: +13.6 % in one go. The premium did not move in 2022.
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.
Bern, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.