Philos in canton Fribourg: twelve years of premiums
In canton Fribourg, the lowest Philos premium went from CHF 312.80 a month in 2015 to CHF 509.30 in 2026 — a rise of +62.8 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 312.80 | CHF 277.50 | CHF 35.30 |
| 2016 | CHF 319.60 | CHF 294.20 | CHF 25.40 |
| 2017 | CHF 348.60 | CHF 315.20 | CHF 33.40 |
| 2018 | CHF 382.00 | CHF 334.00 | CHF 48.00 |
| 2019 | CHF 388.80 | CHF 346.50 | CHF 42.30 |
| 2020 | CHF 386.80 | CHF 351.50 | CHF 35.30 |
| 2021 | CHF 396.20 | CHF 357.60 | CHF 38.60 |
| 2022 | CHF 396.20 | CHF 362.80 | CHF 33.40 |
| 2023 | CHF 411.90 | CHF 381.70 | CHF 30.20 |
| 2024 | CHF 466.60 | CHF 399.70 | CHF 66.90 |
| 2025 | CHF 506.70 | CHF 423.60 | CHF 83.10 |
| 2026 | CHF 509.30 | CHF 450.00 | CHF 59.30 |
Faster or slower than the rest?
Philos rose +62.8 % over the period, against +62.2 % 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 2024: +13.3 % 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.
Fribourg, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.