Philos — Region 1, Schaffhausen: twelve years of premiums
Region 1, Schaffhausen: the lowest Philos premium went from CHF 338.30 a month in 2015 to CHF 532.70 in 2026 — a rise of +57.5 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 338.30 | CHF 300.30 | CHF 38.00 |
| 2016 | CHF 342.80 | CHF 314.80 | CHF 28.00 |
| 2017 | CHF 363.80 | CHF 352.90 | CHF 10.90 |
| 2018 | CHF 407.70 | CHF 352.40 | CHF 55.30 |
| 2019 | CHF 422.40 | CHF 381.40 | CHF 41.00 |
| 2020 | CHF 422.40 | CHF 374.30 | CHF 48.10 |
| 2021 | CHF 431.10 | CHF 371.20 | CHF 59.90 |
| 2022 | CHF 428.70 | CHF 384.70 | CHF 44.00 |
| 2023 | CHF 458.90 | CHF 404.50 | CHF 54.40 |
| 2024 | CHF 506.80 | CHF 446.10 | CHF 60.70 |
| 2025 | CHF 525.30 | CHF 466.40 | CHF 58.90 |
| 2026 | CHF 532.70 | CHF 480.30 | CHF 52.40 |
Faster or slower than the rest?
Philos rose +57.5 % over the period, against +59.9 % 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 2018: +12.1 % in one go. The premium did not move in 2020.
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.