Philos — Region 1, Grisons: twelve years of premiums
Region 1, Grisons: the lowest Philos premium went from CHF 326.80 a month in 2015 to CHF 512.20 in 2026 — a rise of +56.7 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 326.80 | CHF 268.00 | CHF 58.80 |
| 2016 | CHF 340.20 | CHF 264.00 | CHF 76.20 |
| 2017 | CHF 382.50 | CHF 296.00 | CHF 86.50 |
| 2018 | CHF 418.00 | CHF 326.50 | CHF 91.50 |
| 2019 | CHF 435.30 | CHF 349.90 | CHF 85.40 |
| 2020 | CHF 432.80 | CHF 356.40 | CHF 76.40 |
| 2021 | CHF 432.80 | CHF 346.50 | CHF 86.30 |
| 2022 | CHF 419.30 | CHF 346.50 | CHF 72.80 |
| 2023 | CHF 443.70 | CHF 357.70 | CHF 86.00 |
| 2024 | CHF 481.50 | CHF 402.40 | CHF 79.10 |
| 2025 | CHF 490.10 | CHF 430.60 | CHF 59.50 |
| 2026 | CHF 512.20 | CHF 453.60 | CHF 58.60 |
Faster or slower than the rest?
Philos rose +56.7 % over the period, against +69.3 % 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: +12.4 % 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.
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.