Philos — Region 2, St. Gallen: twelve years of premiums
Region 2, St. Gallen: the lowest Philos premium went from CHF 296.70 a month in 2015 to CHF 518.20 in 2026 — a rise of +74.7 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 296.70 | CHF 258.70 | CHF 38.00 |
| 2016 | CHF 304.10 | CHF 269.60 | CHF 34.50 |
| 2017 | CHF 333.20 | CHF 309.60 | CHF 23.60 |
| 2018 | CHF 362.90 | CHF 327.40 | CHF 35.50 |
| 2019 | CHF 387.80 | CHF 339.70 | CHF 48.10 |
| 2020 | CHF 409.50 | CHF 349.90 | CHF 59.60 |
| 2021 | CHF 409.50 | CHF 348.60 | CHF 60.90 |
| 2022 | CHF 394.50 | CHF 346.90 | CHF 47.60 |
| 2023 | CHF 421.50 | CHF 371.70 | CHF 49.80 |
| 2024 | CHF 471.90 | CHF 379.80 | CHF 92.10 |
| 2025 | CHF 518.20 | CHF 398.70 | CHF 119.50 |
| 2026 | CHF 518.20 | CHF 419.60 | CHF 98.60 |
Faster or slower than the rest?
Philos rose +74.7 % over the period, against +62.2 % 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.