Philos in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest Philos premium went from CHF 297.50 a month in 2015 to CHF 467.30 in 2026 — a rise of +57.1 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 297.50 | CHF 237.10 | CHF 60.40 |
| 2016 | CHF 306.60 | CHF 264.00 | CHF 42.60 |
| 2017 | CHF 327.30 | CHF 285.00 | CHF 42.30 |
| 2018 | CHF 361.20 | CHF 316.30 | CHF 44.90 |
| 2019 | CHF 361.20 | CHF 322.00 | CHF 39.20 |
| 2020 | CHF 353.20 | CHF 312.00 | CHF 41.20 |
| 2021 | CHF 357.10 | CHF 330.60 | CHF 26.50 |
| 2022 | CHF 364.80 | CHF 326.80 | CHF 38.00 |
| 2023 | CHF 369.20 | CHF 336.60 | CHF 32.60 |
| 2024 | CHF 418.40 | CHF 372.90 | CHF 45.50 |
| 2025 | CHF 452.80 | CHF 403.40 | CHF 49.40 |
| 2026 | CHF 467.30 | CHF 414.30 | CHF 53.00 |
Faster or slower than the rest?
Philos rose +57.1 % over the period, against +74.7 % 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 2024: +13.3 % in one go. The premium did not move in 2019.
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.
Lucerne, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.