Philos — Region 2, Zurich: twelve years of premiums
Region 2, Zurich: the lowest Philos premium went from CHF 340.90 a month in 2015 to CHF 528.20 in 2026 — a rise of +54.9 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 340.90 | CHF 278.90 | CHF 62.00 |
| 2016 | CHF 350.30 | CHF 328.90 | CHF 21.40 |
| 2017 | CHF 379.70 | CHF 339.50 | CHF 40.20 |
| 2018 | CHF 419.20 | CHF 365.80 | CHF 53.40 |
| 2019 | CHF 424.30 | CHF 374.00 | CHF 50.30 |
| 2020 | CHF 409.50 | CHF 374.00 | CHF 35.50 |
| 2021 | CHF 409.50 | CHF 377.20 | CHF 32.30 |
| 2022 | CHF 402.50 | CHF 373.50 | CHF 29.00 |
| 2023 | CHF 438.10 | CHF 389.60 | CHF 48.50 |
| 2024 | CHF 472.50 | CHF 415.60 | CHF 56.90 |
| 2025 | CHF 499.20 | CHF 436.30 | CHF 62.90 |
| 2026 | CHF 528.20 | CHF 467.90 | CHF 60.30 |
Faster or slower than the rest?
Philos rose +54.9 % over the period, against +67.8 % 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 2018: +10.4 % 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.