Philos — Region 1, Bern: twelve years of premiums
Region 1, Bern: the lowest Philos premium went from CHF 391.00 a month in 2015 to CHF 609.30 in 2026 — a rise of +55.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 391.00 | CHF 354.00 | CHF 37.00 |
| 2016 | CHF 395.10 | CHF 366.40 | CHF 28.70 |
| 2017 | CHF 429.30 | CHF 390.70 | CHF 38.60 |
| 2018 | CHF 480.90 | CHF 401.60 | CHF 79.30 |
| 2019 | CHF 485.20 | CHF 437.20 | CHF 48.00 |
| 2020 | CHF 458.30 | CHF 443.70 | CHF 14.60 |
| 2021 | CHF 474.70 | CHF 437.60 | CHF 37.10 |
| 2022 | CHF 474.70 | CHF 441.00 | CHF 33.70 |
| 2023 | CHF 488.80 | CHF 462.40 | CHF 26.40 |
| 2024 | CHF 545.10 | CHF 504.10 | CHF 41.00 |
| 2025 | CHF 588.10 | CHF 519.80 | CHF 68.30 |
| 2026 | CHF 609.30 | CHF 540.10 | CHF 69.20 |
Faster or slower than the rest?
Philos rose +55.8 % over the period, against +52.6 % 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 2018: +12.0 % 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.
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.