Philos — Region 1, Vaud: twelve years of premiums
Region 1, Vaud: the lowest Philos premium went from CHF 411.40 a month in 2015 to CHF 626.40 in 2026 — a rise of +52.3 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 411.40 | CHF 344.30 | CHF 67.10 |
| 2016 | CHF 420.00 | CHF 364.00 | CHF 56.00 |
| 2017 | CHF 450.30 | CHF 378.50 | CHF 71.80 |
| 2018 | CHF 489.10 | CHF 404.60 | CHF 84.50 |
| 2019 | CHF 508.60 | CHF 442.50 | CHF 66.10 |
| 2020 | CHF 498.00 | CHF 445.90 | CHF 52.10 |
| 2021 | CHF 509.90 | CHF 440.80 | CHF 69.10 |
| 2022 | CHF 504.80 | CHF 444.80 | CHF 60.00 |
| 2023 | CHF 511.40 | CHF 469.00 | CHF 42.40 |
| 2024 | CHF 568.60 | CHF 520.60 | CHF 48.00 |
| 2025 | CHF 608.20 | CHF 546.70 | CHF 61.50 |
| 2026 | CHF 626.40 | CHF 570.10 | CHF 56.30 |
Faster or slower than the rest?
Philos rose +52.3 % over the period, against +65.6 % 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.
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.