Philos in canton Thurgau: twelve years of premiums
In canton Thurgau, the lowest Philos premium went from CHF 313.90 a month in 2015 to CHF 497.70 in 2026 — a rise of +58.6 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 313.90 | CHF 276.90 | CHF 37.00 |
| 2016 | CHF 325.10 | CHF 294.10 | CHF 31.00 |
| 2017 | CHF 363.00 | CHF 294.10 | CHF 68.90 |
| 2018 | CHF 395.60 | CHF 330.90 | CHF 64.70 |
| 2019 | CHF 404.30 | CHF 342.80 | CHF 61.50 |
| 2020 | CHF 415.30 | CHF 345.50 | CHF 69.80 |
| 2021 | CHF 415.30 | CHF 343.50 | CHF 71.80 |
| 2022 | CHF 389.00 | CHF 343.50 | CHF 45.50 |
| 2023 | CHF 409.40 | CHF 377.70 | CHF 31.70 |
| 2024 | CHF 464.80 | CHF 385.20 | CHF 79.60 |
| 2025 | CHF 473.10 | CHF 400.60 | CHF 72.50 |
| 2026 | CHF 497.70 | CHF 429.70 | CHF 68.00 |
Faster or slower than the rest?
Philos rose +58.6 % over the period, against +55.2 % 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: +13.5 % 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.