Philos in canton Geneva: twelve years of premiums
In canton Geneva, the lowest Philos premium went from CHF 467.50 a month in 2015 to CHF 669.10 in 2026 — a rise of +43.1 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 467.50 | CHF 357.90 | CHF 109.60 |
| 2016 | CHF 472.30 | CHF 398.40 | CHF 73.90 |
| 2017 | CHF 515.80 | CHF 413.50 | CHF 102.30 |
| 2018 | CHF 552.40 | CHF 443.20 | CHF 109.20 |
| 2019 | CHF 564.90 | CHF 461.50 | CHF 103.40 |
| 2020 | CHF 583.60 | CHF 471.40 | CHF 112.20 |
| 2021 | CHF 576.80 | CHF 471.40 | CHF 105.40 |
| 2022 | CHF 551.30 | CHF 471.40 | CHF 79.90 |
| 2023 | CHF 562.40 | CHF 489.60 | CHF 72.80 |
| 2024 | CHF 628.80 | CHF 544.80 | CHF 84.00 |
| 2025 | CHF 669.10 | CHF 584.40 | CHF 84.70 |
| 2026 | CHF 669.10 | CHF 604.30 | CHF 64.80 |
Faster or slower than the rest?
Philos rose +43.1 % over the period, against +68.9 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2024: +11.8 % in one go. The premium did not move in 2026.
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.