Philos — Region 1, Fribourg: twelve years of premiums
Region 1, Fribourg: the lowest Philos premium went from CHF 340.00 a month in 2015 to CHF 547.60 in 2026 — a rise of +61.1 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 340.00 | CHF 311.10 | CHF 28.90 |
| 2016 | CHF 346.20 | CHF 333.70 | CHF 12.50 |
| 2017 | CHF 375.50 | CHF 356.40 | CHF 19.10 |
| 2018 | CHF 409.10 | CHF 370.10 | CHF 39.00 |
| 2019 | CHF 415.90 | CHF 386.00 | CHF 29.90 |
| 2020 | CHF 415.90 | CHF 391.70 | CHF 24.20 |
| 2021 | CHF 426.10 | CHF 391.30 | CHF 34.80 |
| 2022 | CHF 426.10 | CHF 399.10 | CHF 27.00 |
| 2023 | CHF 442.90 | CHF 417.50 | CHF 25.40 |
| 2024 | CHF 501.70 | CHF 449.80 | CHF 51.90 |
| 2025 | CHF 544.90 | CHF 476.70 | CHF 68.20 |
| 2026 | CHF 547.60 | CHF 501.10 | CHF 46.50 |
Faster or slower than the rest?
Philos rose +61.1 % over the period, at the same pace as the cheapest insurer in the same place. The gap at the start is the gap at the end.
The year that hurt — The steepest year-on-year jump was 2024: +13.3 % in one go. The premium did not move in 2020, 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.