Philos in canton Ticino: twelve years of premiums
In canton Ticino, the lowest Philos premium went from CHF 366.10 a month in 2015 to CHF 620.90 in 2026 — a rise of +69.6 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 366.10 | CHF 278.20 | CHF 87.90 |
| 2016 | CHF 359.40 | CHF 331.80 | CHF 27.60 |
| 2017 | CHF 397.40 | CHF 366.20 | CHF 31.20 |
| 2018 | CHF 443.00 | CHF 382.50 | CHF 60.50 |
| 2019 | CHF 443.00 | CHF 397.10 | CHF 45.90 |
| 2020 | CHF 435.90 | CHF 405.80 | CHF 30.10 |
| 2021 | CHF 460.50 | CHF 408.20 | CHF 52.30 |
| 2022 | CHF 460.50 | CHF 411.60 | CHF 48.90 |
| 2023 | CHF 458.00 | CHF 428.80 | CHF 29.20 |
| 2024 | CHF 517.20 | CHF 463.20 | CHF 54.00 |
| 2025 | CHF 593.60 | CHF 495.50 | CHF 98.10 |
| 2026 | CHF 620.90 | CHF 539.00 | CHF 81.90 |
Faster or slower than the rest?
Philos rose +69.6 % over the period, against +93.8 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2025: +14.8 % in one go. The premium did not move in 2019, 2022.
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.
Ticino, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.