Philos — Region 2, Bern: twelve years of premiums
Region 2, Bern: the lowest Philos premium went from CHF 353.60 a month in 2015 to CHF 554.50 in 2026 — a rise of +56.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 353.60 | CHF 318.80 | CHF 34.80 |
| 2016 | CHF 358.60 | CHF 336.40 | CHF 22.20 |
| 2017 | CHF 392.30 | CHF 361.90 | CHF 30.40 |
| 2018 | CHF 443.00 | CHF 374.00 | CHF 69.00 |
| 2019 | CHF 447.30 | CHF 387.10 | CHF 60.20 |
| 2020 | CHF 417.10 | CHF 396.00 | CHF 21.10 |
| 2021 | CHF 432.00 | CHF 396.00 | CHF 36.00 |
| 2022 | CHF 432.00 | CHF 395.60 | CHF 36.40 |
| 2023 | CHF 444.90 | CHF 410.00 | CHF 34.90 |
| 2024 | CHF 496.10 | CHF 447.80 | CHF 48.30 |
| 2025 | CHF 535.20 | CHF 462.70 | CHF 72.50 |
| 2026 | CHF 554.50 | CHF 493.60 | CHF 60.90 |
Faster or slower than the rest?
Philos rose +56.8 % over the period, against +54.8 % 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: +12.9 % 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.