Philos Krankenversicherung AG: 2027 premiums compared
Philos Krankenversicherung AG offers basic insurance in 2027 in 26 cantons, from CHF 455.60 a month. In 0 cantons it is the cheapest insurer of all.
Philos Krankenversicherung AG canton by canton (2027)
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 629.60 | CHF 548.80 | + CHF 970/J |
| Appenzell Ausserrhoden | CHF 672.30 | CHF 501.00 | + CHF 2'056/J |
| Appenzell Innerrhoden | CHF 496.80 | CHF 436.00 | + CHF 730/J |
| Basel-Landschaft | CHF 726.10 | CHF 606.00 | + CHF 1'441/J |
| Basel-Stadt | CHF 854.70 | CHF 690.40 | + CHF 1'972/J |
| Bern | CHF 673.20 | CHF 541.20 | + CHF 1'584/J |
| Freiburg | CHF 615.10 | CHF 551.00 | + CHF 769/J |
| Genf | CHF 793.50 | CHF 711.20 | + CHF 988/J |
| Glarus | CHF 552.80 | CHF 523.80 | + CHF 348/J |
| Graubünden | CHF 582.20 | CHF 450.80 | + CHF 1'577/J |
| Jura | CHF 703.50 | CHF 655.80 | + CHF 572/J |
| Luzern | CHF 595.10 | CHF 468.65 | + CHF 1'517/J |
| Neuenburg | CHF 757.70 | CHF 675.60 | + CHF 985/J |
| Nidwalden | CHF 572.30 | CHF 461.50 | + CHF 1'330/J |
| Obwalden | CHF 544.40 | CHF 474.00 | + CHF 845/J |
| Schaffhausen | CHF 610.90 | CHF 514.50 | + CHF 1'157/J |
| Schwyz | CHF 579.60 | CHF 454.70 | + CHF 1'499/J |
| Solothurn | CHF 712.60 | CHF 582.40 | + CHF 1'562/J |
| St. Gallen | CHF 657.50 | CHF 488.00 | + CHF 2'034/J |
| Tessin | CHF 755.00 | CHF 658.00 | + CHF 1'164/J |
| Thurgau | CHF 652.00 | CHF 524.60 | + CHF 1'529/J |
| Uri | CHF 589.10 | CHF 463.90 | + CHF 1'502/J |
| Waadt | CHF 681.80 | CHF 614.40 | + CHF 809/J |
| Wallis | CHF 610.10 | CHF 494.45 | + CHF 1'388/J |
| Zug | CHF 455.60 | CHF 405.30 | + CHF 604/J |
| Zürich | CHF 645.60 | CHF 508.10 | + CHF 1'650/J |
What this insurer actually offers
Insurance models: Standard (free choice of doctor), Flexible models, Family doctor / HMO, Telemedicine / digital
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 % |
| 2027 | CHF 455.60 | +1.0 % |
The lowest premium at Philos Krankenversicherung AG went from CHF 375.60 (2021) to CHF 455.60 (2027) — +21.3 %.
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 455.60 and CHF 854.70 a month in 2027, 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.