Philos in canton Zurich: twelve years of premiums
In canton Zurich, the lowest Philos premium went from CHF 336.60 a month in 2015 to CHF 528.20 in 2026 — a rise of +56.9 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 336.60 | CHF 240.00 | CHF 96.60 |
| 2016 | CHF 346.20 | CHF 250.00 | CHF 96.20 |
| 2017 | CHF 375.50 | CHF 255.00 | CHF 120.50 |
| 2018 | CHF 414.90 | CHF 260.00 | CHF 154.90 |
| 2019 | CHF 420.00 | CHF 346.00 | CHF 74.00 |
| 2020 | CHF 409.50 | CHF 343.30 | CHF 66.20 |
| 2021 | CHF 409.50 | CHF 347.20 | CHF 62.30 |
| 2022 | CHF 402.50 | CHF 343.90 | CHF 58.60 |
| 2023 | CHF 438.10 | CHF 358.60 | CHF 79.50 |
| 2024 | CHF 472.50 | CHF 379.90 | CHF 92.60 |
| 2025 | CHF 499.20 | CHF 398.80 | CHF 100.40 |
| 2026 | CHF 528.20 | CHF 427.80 | CHF 100.40 |
Faster or slower than the rest?
Philos rose +56.9 % over the period, against +78.3 % 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 2018: +10.5 % 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.
Zurich, canton by canton
Philos, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.