Philos — Region 1, Zurich: twelve years of premiums
Region 1, Zurich: the lowest Philos premium went from CHF 388.50 a month in 2015 to CHF 593.50 in 2026 — a rise of +52.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 388.50 | CHF 307.80 | CHF 80.70 |
| 2016 | CHF 396.80 | CHF 360.40 | CHF 36.40 |
| 2017 | CHF 426.80 | CHF 380.40 | CHF 46.40 |
| 2018 | CHF 470.30 | CHF 392.10 | CHF 78.20 |
| 2019 | CHF 475.40 | CHF 413.20 | CHF 62.20 |
| 2020 | CHF 465.30 | CHF 413.10 | CHF 52.20 |
| 2021 | CHF 465.30 | CHF 423.80 | CHF 41.50 |
| 2022 | CHF 457.30 | CHF 416.90 | CHF 40.40 |
| 2023 | CHF 492.30 | CHF 437.00 | CHF 55.30 |
| 2024 | CHF 530.90 | CHF 470.20 | CHF 60.70 |
| 2025 | CHF 560.90 | CHF 496.20 | CHF 64.70 |
| 2026 | CHF 593.50 | CHF 517.70 | CHF 75.80 |
Faster or slower than the rest?
Philos rose +52.8 % over the period, against +68.2 % 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: +10.2 % 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.