Philos in canton Nidwalden: twelve years of premiums
In canton Nidwalden, the lowest Philos premium went from CHF 263.20 a month in 2015 to CHF 442.00 in 2026 — a rise of +67.9 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 263.20 | CHF 233.00 | CHF 30.20 |
| 2016 | CHF 264.60 | CHF 245.60 | CHF 19.00 |
| 2017 | CHF 284.80 | CHF 273.10 | CHF 11.70 |
| 2018 | CHF 327.50 | CHF 287.20 | CHF 40.30 |
| 2019 | CHF 331.90 | CHF 298.50 | CHF 33.40 |
| 2020 | CHF 329.40 | CHF 301.20 | CHF 28.20 |
| 2021 | CHF 341.60 | CHF 310.80 | CHF 30.80 |
| 2022 | CHF 350.30 | CHF 319.30 | CHF 31.00 |
| 2023 | CHF 370.20 | CHF 336.20 | CHF 34.00 |
| 2024 | CHF 402.10 | CHF 357.10 | CHF 45.00 |
| 2025 | CHF 409.30 | CHF 368.00 | CHF 41.30 |
| 2026 | CHF 442.00 | CHF 385.40 | CHF 56.60 |
Faster or slower than the rest?
Philos rose +67.9 % over the period, against +65.4 % for the cheapest insurer in the same place. The gap widened: staying put cost a little more every year.
The year that hurt — The steepest year-on-year jump was 2018: +15.0 % in one go.
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.