Philos — Region 2, Grisons: twelve years of premiums
Region 2, Grisons: the lowest Philos premium went from CHF 309.60 a month in 2015 to CHF 481.50 in 2026 — a rise of +55.5 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 309.60 | CHF 246.50 | CHF 63.10 |
| 2016 | CHF 323.40 | CHF 256.80 | CHF 66.60 |
| 2017 | CHF 365.50 | CHF 288.00 | CHF 77.50 |
| 2018 | CHF 399.10 | CHF 300.40 | CHF 98.70 |
| 2019 | CHF 416.40 | CHF 319.80 | CHF 96.60 |
| 2020 | CHF 411.20 | CHF 343.20 | CHF 68.00 |
| 2021 | CHF 411.20 | CHF 333.50 | CHF 77.70 |
| 2022 | CHF 398.30 | CHF 338.60 | CHF 59.70 |
| 2023 | CHF 417.10 | CHF 350.00 | CHF 67.10 |
| 2024 | CHF 452.60 | CHF 378.00 | CHF 74.60 |
| 2025 | CHF 460.70 | CHF 405.00 | CHF 55.70 |
| 2026 | CHF 481.50 | CHF 418.00 | CHF 63.50 |
Faster or slower than the rest?
Philos rose +55.5 % over the period, against +69.6 % 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: +13.0 % 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.