Philos in canton Schaffhausen: twelve years of premiums
In canton Schaffhausen, the lowest Philos premium went from CHF 317.90 a month in 2015 to CHF 500.80 in 2026 — a rise of +57.5 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 317.90 | CHF 283.80 | CHF 34.10 |
| 2016 | CHF 322.60 | CHF 289.60 | CHF 33.00 |
| 2017 | CHF 343.40 | CHF 324.80 | CHF 18.60 |
| 2018 | CHF 387.00 | CHF 324.20 | CHF 62.80 |
| 2019 | CHF 401.70 | CHF 354.30 | CHF 47.40 |
| 2020 | CHF 397.10 | CHF 359.30 | CHF 37.80 |
| 2021 | CHF 405.20 | CHF 339.30 | CHF 65.90 |
| 2022 | CHF 402.90 | CHF 354.40 | CHF 48.50 |
| 2023 | CHF 431.40 | CHF 384.60 | CHF 46.80 |
| 2024 | CHF 476.40 | CHF 383.40 | CHF 93.00 |
| 2025 | CHF 493.80 | CHF 410.30 | CHF 83.50 |
| 2026 | CHF 500.80 | CHF 433.80 | CHF 67.00 |
Faster or slower than the rest?
Philos rose +57.5 % over the period, against +52.9 % 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: +12.7 % 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.
Schaffhausen, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.