Philos — Region 1, St. Gallen: twelve years of premiums
Region 1, St. Gallen: the lowest Philos premium went from CHF 319.60 a month in 2015 to CHF 569.40 in 2026 — a rise of +78.2 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 319.60 | CHF 281.70 | CHF 37.90 |
| 2016 | CHF 326.80 | CHF 295.70 | CHF 31.10 |
| 2017 | CHF 356.20 | CHF 316.10 | CHF 40.10 |
| 2018 | CHF 387.80 | CHF 349.10 | CHF 38.70 |
| 2019 | CHF 422.40 | CHF 363.70 | CHF 58.70 |
| 2020 | CHF 447.50 | CHF 353.90 | CHF 93.60 |
| 2021 | CHF 447.50 | CHF 356.70 | CHF 90.80 |
| 2022 | CHF 431.20 | CHF 371.00 | CHF 60.20 |
| 2023 | CHF 463.10 | CHF 382.20 | CHF 80.90 |
| 2024 | CHF 518.60 | CHF 432.30 | CHF 86.30 |
| 2025 | CHF 569.40 | CHF 453.00 | CHF 116.40 |
| 2026 | CHF 569.40 | CHF 479.65 | CHF 89.75 |
Faster or slower than the rest?
Philos rose +78.2 % over the period, against +70.3 % 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 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.
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.