Philos Krankenversicherung AG: 2026 premiums compared
Philos Krankenversicherung AG offers basic insurance in 2026 in 26 cantons, from CHF 451.00 a month. In 0 cantons it is the cheapest insurer of all.
Philos Krankenversicherung AG canton by canton (2026)
Reference: adult aged 26+, franchise CHF 300, standard model with free choice of doctor, with accident cover.
| Canton | Philos Krankenversicherung AG premium | Cheapest in canton | Extra per year |
|---|---|---|---|
| Aargau | CHF 610.00 | CHF 519.25 | + CHF 1'089/J |
| Appenzell Ausserrhoden | CHF 610.90 | CHF 479.40 | + CHF 1'578/J |
| Appenzell Innerrhoden | CHF 470.90 | CHF 411.00 | + CHF 719/J |
| Basel-Landschaft | CHF 694.80 | CHF 575.30 | + CHF 1'434/J |
| Basel-Stadt | CHF 763.10 | CHF 673.70 | + CHF 1'073/J |
| Bern | CHF 630.80 | CHF 520.40 | + CHF 1'325/J |
| Freiburg | CHF 595.60 | CHF 523.30 | + CHF 868/J |
| Genf | CHF 782.50 | CHF 686.70 | + CHF 1'150/J |
| Glarus | CHF 520.00 | CHF 493.00 | + CHF 324/J |
| Graubünden | CHF 539.10 | CHF 426.00 | + CHF 1'357/J |
| Jura | CHF 699.30 | CHF 628.20 | + CHF 853/J |
| Luzern | CHF 543.40 | CHF 452.80 | + CHF 1'087/J |
| Neuenburg | CHF 750.10 | CHF 655.90 | + CHF 1'130/J |
| Nidwalden | CHF 516.90 | CHF 448.10 | + CHF 826/J |
| Obwalden | CHF 520.90 | CHF 445.10 | + CHF 910/J |
| Schaffhausen | CHF 585.70 | CHF 504.40 | + CHF 976/J |
| Schwyz | CHF 579.60 | CHF 439.30 | + CHF 1'684/J |
| Solothurn | CHF 641.90 | CHF 565.40 | + CHF 918/J |
| St. Gallen | CHF 599.40 | CHF 467.00 | + CHF 1'589/J |
| Tessin | CHF 726.20 | CHF 626.70 | + CHF 1'194/J |
| Thurgau | CHF 582.10 | CHF 499.60 | + CHF 990/J |
| Uri | CHF 563.70 | CHF 437.90 | + CHF 1'510/J |
| Waadt | CHF 668.50 | CHF 601.70 | + CHF 802/J |
| Wallis | CHF 588.30 | CHF 470.90 | + CHF 1'409/J |
| Zug | CHF 451.00 | CHF 385.80 | + CHF 782/J |
| Zürich | CHF 617.80 | CHF 488.50 | + CHF 1'552/J |
What this insurer actually offers
Insurance models: Standard (free choice of doctor), Other (Telmed, pharmacy …), Family doctor, HMO
Franchises for adults: CHF 300, 500, 1'000, 1'500, 2'000, 2'500
Franchises for children: CHF 0, 100, 200, 300, 400, 500, 600 Not every insurer offers children all levels — that is what decides the cheapest family solution.
How Philos Krankenversicherung AG has developed since 2021
| Year | Lowest premium | Change |
|---|---|---|
| 2021 | CHF 375.60 | — |
| 2022 | CHF 375.60 | +0.0 % |
| 2023 | CHF 400.60 | +6.7 % |
| 2024 | CHF 450.60 | +12.5 % |
| 2025 | CHF 450.60 | +0.0 % |
| 2026 | CHF 451.00 | +0.1 % |
The lowest premium at Philos Krankenversicherung AG went from CHF 375.60 (2021) to CHF 451.00 (2026) — +20.1 %.
Why the benefits are the same everywhere
Basic insurance is defined by law (KVG/LAMal). Philos Krankenversicherung AG must pay for the same treatments as any other insurer and must accept every applicant, with no health questions. Price, service and supplementary products differ — the latter are not compared here.
Frequently asked questions
Is Philos Krankenversicherung AG expensive?
For an adult with a CHF 300 franchise and the standard model, Philos Krankenversicherung AG costs between CHF 451.00 and CHF 782.50 a month in 2026, depending on the canton. In 0 of 26 cantons it is the cheapest insurer.
Are the benefits at Philos Krankenversicherung AG worse than at a more expensive insurer?
No. The benefit catalogue of compulsory basic insurance is set by law and identical for every insurer.
How do I switch to or away from Philos Krankenversicherung AG?
Notice for basic insurance must reach your current insurer by 30 November (arrival, not postmark). The new insurer must accept you.