Philos in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest Philos premium went from CHF 288.20 a month in 2015 to CHF 512.50 in 2026 — a rise of +77.8 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 288.20 | CHF 247.00 | CHF 41.20 |
| 2016 | CHF 295.70 | CHF 257.00 | CHF 38.70 |
| 2017 | CHF 324.70 | CHF 292.90 | CHF 31.80 |
| 2018 | CHF 354.30 | CHF 311.00 | CHF 43.30 |
| 2019 | CHF 384.50 | CHF 331.20 | CHF 53.30 |
| 2020 | CHF 402.70 | CHF 333.50 | CHF 69.20 |
| 2021 | CHF 402.70 | CHF 331.20 | CHF 71.50 |
| 2022 | CHF 388.10 | CHF 332.90 | CHF 55.20 |
| 2023 | CHF 416.80 | CHF 343.90 | CHF 72.90 |
| 2024 | CHF 466.70 | CHF 366.90 | CHF 99.80 |
| 2025 | CHF 512.50 | CHF 381.60 | CHF 130.90 |
| 2026 | CHF 512.50 | CHF 401.60 | CHF 110.90 |
Faster or slower than the rest?
Philos rose +77.8 % over the period, against +62.6 % 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 2024: +12.0 % in one go. The premium did not move in 2021, 2026.
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.
St. Gallen, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.