Philos in canton Neuchâtel: twelve years of premiums
In canton Neuchâtel, the lowest Philos premium went from CHF 404.60 a month in 2015 to CHF 626.40 in 2026 — a rise of +54.8 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 404.60 | CHF 320.80 | CHF 83.80 |
| 2016 | CHF 423.30 | CHF 364.60 | CHF 58.70 |
| 2017 | CHF 474.60 | CHF 395.90 | CHF 78.70 |
| 2018 | CHF 516.10 | CHF 406.80 | CHF 109.30 |
| 2019 | CHF 520.30 | CHF 425.20 | CHF 95.10 |
| 2020 | CHF 499.60 | CHF 439.80 | CHF 59.80 |
| 2021 | CHF 514.00 | CHF 448.50 | CHF 65.50 |
| 2022 | CHF 514.00 | CHF 446.50 | CHF 67.50 |
| 2023 | CHF 508.00 | CHF 482.20 | CHF 25.80 |
| 2024 | CHF 541.00 | CHF 525.40 | CHF 15.60 |
| 2025 | CHF 594.20 | CHF 523.10 | CHF 71.10 |
| 2026 | CHF 626.40 | CHF 554.20 | CHF 72.20 |
Faster or slower than the rest?
Philos rose +54.8 % over the period, against +72.8 % 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: +12.1 % in one go. The premium did not move in 2022.
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.