Philos in canton Obwalden: twelve years of premiums
In canton Obwalden, the lowest Philos premium went from CHF 308.00 a month in 2015 to CHF 445.40 in 2026 — a rise of +44.6 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 308.00 | CHF 237.90 | CHF 70.10 |
| 2016 | CHF 306.60 | CHF 237.90 | CHF 68.70 |
| 2017 | CHF 344.30 | CHF 284.70 | CHF 59.60 |
| 2018 | CHF 374.90 | CHF 302.50 | CHF 72.40 |
| 2019 | CHF 383.60 | CHF 316.30 | CHF 67.30 |
| 2020 | CHF 396.80 | CHF 314.50 | CHF 82.30 |
| 2021 | CHF 399.00 | CHF 294.00 | CHF 105.00 |
| 2022 | CHF 394.50 | CHF 320.00 | CHF 74.50 |
| 2023 | CHF 380.90 | CHF 320.00 | CHF 60.90 |
| 2024 | CHF 418.70 | CHF 346.50 | CHF 72.20 |
| 2025 | CHF 426.20 | CHF 356.90 | CHF 69.30 |
| 2026 | CHF 445.40 | CHF 382.80 | CHF 62.60 |
Faster or slower than the rest?
Philos rose +44.6 % over the period, against +60.9 % 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: +12.3 % 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.