Philos in canton Vaud: twelve years of premiums
In canton Vaud, the lowest Philos premium went from CHF 364.70 a month in 2015 to CHF 548.10 in 2026 — a rise of +50.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 364.70 | CHF 327.80 | CHF 36.90 |
| 2016 | CHF 372.70 | CHF 340.00 | CHF 32.70 |
| 2017 | CHF 402.40 | CHF 364.30 | CHF 38.10 |
| 2018 | CHF 441.20 | CHF 391.80 | CHF 49.40 |
| 2019 | CHF 457.90 | CHF 422.60 | CHF 35.30 |
| 2020 | CHF 438.20 | CHF 415.00 | CHF 23.20 |
| 2021 | CHF 448.70 | CHF 406.50 | CHF 42.20 |
| 2022 | CHF 444.20 | CHF 407.00 | CHF 37.20 |
| 2023 | CHF 450.10 | CHF 424.20 | CHF 25.90 |
| 2024 | CHF 500.30 | CHF 488.50 | CHF 11.80 |
| 2025 | CHF 535.20 | CHF 501.60 | CHF 33.60 |
| 2026 | CHF 548.10 | CHF 537.30 | CHF 10.80 |
Faster or slower than the rest?
Philos rose +50.3 % over the period, against +63.9 % 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 2024: +11.2 % in one go.
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.
Vaud, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.