Philos in canton Grisons: twelve years of premiums
In canton Grisons, the lowest Philos premium went from CHF 292.40 a month in 2015 to CHF 461.00 in 2026 — a rise of +57.7 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 292.40 | CHF 227.80 | CHF 64.60 |
| 2016 | CHF 306.60 | CHF 237.30 | CHF 69.30 |
| 2017 | CHF 348.50 | CHF 274.55 | CHF 73.95 |
| 2018 | CHF 381.00 | CHF 277.60 | CHF 103.40 |
| 2019 | CHF 398.30 | CHF 305.20 | CHF 93.10 |
| 2020 | CHF 389.50 | CHF 315.90 | CHF 73.60 |
| 2021 | CHF 389.50 | CHF 321.10 | CHF 68.40 |
| 2022 | CHF 377.30 | CHF 320.50 | CHF 56.80 |
| 2023 | CHF 399.40 | CHF 322.00 | CHF 77.40 |
| 2024 | CHF 433.40 | CHF 347.00 | CHF 86.40 |
| 2025 | CHF 441.10 | CHF 388.00 | CHF 53.10 |
| 2026 | CHF 461.00 | CHF 404.70 | CHF 56.30 |
Faster or slower than the rest?
Philos rose +57.7 % over the period, against +77.7 % 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 2017: +13.7 % in one go. The premium did not move in 2021.
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.
Grisons, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.