Philos in canton Schwyz: twelve years of premiums
In canton Schwyz, the lowest Philos premium went from CHF 323.00 a month in 2015 to CHF 495.60 in 2026 — a rise of +53.4 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 323.00 | CHF 273.60 | CHF 49.40 |
| 2016 | CHF 337.70 | CHF 289.90 | CHF 47.80 |
| 2017 | CHF 375.70 | CHF 313.60 | CHF 62.10 |
| 2018 | CHF 409.40 | CHF 315.90 | CHF 93.50 |
| 2019 | CHF 418.00 | CHF 337.20 | CHF 80.80 |
| 2020 | CHF 420.40 | CHF 336.00 | CHF 84.40 |
| 2021 | CHF 420.40 | CHF 332.60 | CHF 87.80 |
| 2022 | CHF 415.60 | CHF 335.20 | CHF 80.40 |
| 2023 | CHF 405.90 | CHF 354.80 | CHF 51.10 |
| 2024 | CHF 410.10 | CHF 376.50 | CHF 33.60 |
| 2025 | CHF 471.10 | CHF 387.80 | CHF 83.30 |
| 2026 | CHF 495.60 | CHF 400.20 | CHF 95.40 |
Faster or slower than the rest?
Philos rose +53.4 % over the period, against +46.3 % 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 2025: +14.9 % in one go. The premium did not move in 2021.
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.