Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 610.00 | CHF 524.60up to CHF 546.00 | CHF 524.60up to CHF 527.70 |
| Appenzell Inner Rhodes | CHF 470.90 | CHF 402.70up to CHF 421.50 | CHF 402.70up to CHF 405.00 |
| Appenzell Outer Rhodes | CHF 610.90 | CHF 525.40up to CHF 546.80 | CHF 525.40 |
| Basel-City | CHF 763.10 | CHF 652.50up to CHF 683.00 | CHF 652.50up to CHF 656.30 |
| Basel-Country2 premium regions | CHF 694.80up to CHF 731.30 | CHF 594.00up to CHF 654.60 | CHF 594.00up to CHF 629.00 |
| Bern3 premium regions | CHF 630.80up to CHF 716.80 | CHF 536.20up to CHF 638.00 | CHF 539.40up to CHF 612.90 |
| Fribourg2 premium regions | CHF 595.60up to CHF 640.40 | CHF 509.30up to CHF 573.20 | CHF 515.20up to CHF 557.20 |
| Geneva | CHF 782.50 | CHF 669.10up to CHF 700.40 | CHF 669.10 |
| Glarus | CHF 520.00 | CHF 465.40 | CHF 444.60up to CHF 447.20 |
| Graubünden3 premium regions | CHF 539.10up to CHF 599.00 | CHF 461.00up to CHF 536.20 | CHF 461.00up to CHF 515.20 |
| Jura | CHF 699.30 | CHF 598.00up to CHF 625.90 | CHF 598.00up to CHF 601.40 |
| Lucerne3 premium regions | CHF 543.40up to CHF 593.80 | CHF 467.30up to CHF 531.50 | CHF 467.30up to CHF 513.70 |
| Neuchâtel | CHF 750.10 | CHF 641.40up to CHF 671.40 | CHF 626.40up to CHF 641.40 |
| Nidwalden | CHF 516.90 | CHF 442.00up to CHF 462.70 | CHF 442.00up to CHF 444.60 |
| Obwalden | CHF 520.90 | CHF 466.30 | CHF 445.40up to CHF 448.00 |
| Schaffhausen2 premium regions | CHF 585.70up to CHF 623.00 | CHF 500.80up to CHF 557.60 | CHF 506.60up to CHF 542.10 |
| Schwyz | CHF 579.60 | CHF 495.60up to CHF 518.80 | CHF 495.60up to CHF 498.50 |
| Solothurn | CHF 641.90 | CHF 548.90up to CHF 574.60 | CHF 552.10up to CHF 555.30 |
| St. Gallen3 premium regions | CHF 599.40up to CHF 665.90 | CHF 512.50up to CHF 596.00 | CHF 512.50up to CHF 572.70 |
| Thurgau | CHF 582.10 | CHF 497.70up to CHF 521.00 | CHF 497.70up to CHF 500.70 |
| Ticino2 premium regions | CHF 726.20up to CHF 772.50 | CHF 650.00up to CHF 691.40 | CHF 620.90up to CHF 664.40 |
| Uri | CHF 563.70 | CHF 482.00up to CHF 504.60 | CHF 482.00up to CHF 484.80 |
| Valais2 premium regions | CHF 588.30up to CHF 625.80 | CHF 503.00up to CHF 560.10 | CHF 503.00up to CHF 538.20 |
| Vaud2 premium regions | CHF 668.50up to CHF 763.90 | CHF 571.50up to CHF 683.70 | CHF 548.10up to CHF 657.00 |
| Zug | CHF 451.00 | CHF 385.70up to CHF 403.70 | CHF 385.70up to CHF 387.90 |
| Zurich3 premium regions | CHF 617.80up to CHF 694.10 | CHF 528.20up to CHF 621.30 | CHF 528.20up to CHF 597.00 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2026, opendata.swiss; localities © swisstopo; as of 25.09.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the Philos tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the Philos standard model in the same region.
Aargau
OptiMed
Premium / month
524.60
CHF
Total / year
CHF 6,615
Saving
−1,025
CHF / year
Appenzell Inner Rhodes
OptiMed
Premium / month
402.70
CHF
Total / year
CHF 5,152
Saving
−818
CHF / year
Appenzell Outer Rhodes
OptiMed
Premium / month
525.40
CHF
Total / year
CHF 6,625
Saving
−1,026
CHF / year
Basel-City
OptiMed
Premium / month
652.50
CHF
Total / year
CHF 8,150
Saving
−1,327
CHF / year
Basel-Country
OptiMed · region 2
Premium / month
594.00
CHF
Total / year
CHF 7,448
Saving
−1,210
CHF / year
Bern
OptiMed · region 3
Premium / month
536.20
CHF
Total / year
CHF 6,754
Saving
−1,135
CHF / year
Fribourg
OptiMed · region 2
Premium / month
509.30
CHF
Total / year
CHF 6,432
Saving
−1,036
CHF / year
Geneva
OptiMed
Premium / month
669.10
CHF
Total / year
CHF 8,349
Saving
−1,361
CHF / year
Glarus
PrimaFlex
Premium / month
444.60
CHF
Total / year
CHF 5,655
Saving
−905
CHF / year
Graubünden
OptiMed · region 3
Premium / month
461.00
CHF
Total / year
CHF 5,852
Saving
−937
CHF / year
Jura
OptiMed
Premium / month
598.00
CHF
Total / year
CHF 7,496
Saving
−1,216
CHF / year
Lucerne
OptiMed · region 3
Premium / month
467.30
CHF
Total / year
CHF 5,928
Saving
−913
CHF / year
Neuchâtel
PrimaFlex
Premium / month
626.40
CHF
Total / year
CHF 7,837
Saving
−1,484
CHF / year
Nidwalden
OptiMed
Premium / month
442.00
CHF
Total / year
CHF 5,624
Saving
−899
CHF / year
Obwalden
PrimaFlex
Premium / month
445.40
CHF
Total / year
CHF 5,665
Saving
−906
CHF / year
Schaffhausen
OptiMed · region 2
Premium / month
500.80
CHF
Total / year
CHF 6,330
Saving
−1,019
CHF / year
Schwyz
OptiMed
Premium / month
495.60
CHF
Total / year
CHF 6,267
Saving
−1,008
CHF / year
Solothurn
OptiMed
Premium / month
548.90
CHF
Total / year
CHF 6,907
Saving
−1,116
CHF / year
St. Gallen
OptiMed · region 3
Premium / month
512.50
CHF
Total / year
CHF 6,470
Saving
−1,043
CHF / year
Thurgau
OptiMed
Premium / month
497.70
CHF
Total / year
CHF 6,292
Saving
−1,013
CHF / year
Ticino
PrimaFlex · region 2
Premium / month
620.90
CHF
Total / year
CHF 7,771
Saving
−1,264
CHF / year
Uri
OptiMed
Premium / month
482.00
CHF
Total / year
CHF 6,104
Saving
−980
CHF / year
Valais
OptiMed · region 2
Premium / month
503.00
CHF
Total / year
CHF 6,356
Saving
−1,024
CHF / year
Vaud
SanaTel · region 2
Premium / month
548.10
CHF
Total / year
CHF 6,897
Saving
−1,445
CHF / year
Zug
OptiMed
Premium / month
385.70
CHF
Total / year
CHF 4,948
Saving
−784
CHF / year
Zurich
OptiMed · region 2
Premium / month
528.20
CHF
Total / year
CHF 6,658
Saving
−1,075
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 589.90 | CHF 610.00 | +3.4% | +4.7% |
| Appenzell Inner Rhodes | CHF 450.60 | CHF 470.90 | +4.5% | +3.3% |
| Appenzell Outer Rhodes | CHF 589.60 | CHF 610.90 | +3.6% | +4.2% |
| Basel-City | CHF 730.20 | CHF 763.10 | +4.5% | +1.7% |
| Basel-Country | CHF 682.35 | CHF 713.05 | +4.5% | +3.7% |
| Bern | CHF 647.20 | CHF 666.63 | +3.0% | +3.2% |
| Fribourg | CHF 614.90 | CHF 618.00 | +0.5% | +2.6% |
| Geneva | CHF 782.50 | CHF 782.50 | +0.0% | +1.0% |
| Glarus | CHF 490.50 | CHF 520.00 | +6.0% | +4.6% |
| Graubünden | CHF 542.67 | CHF 567.07 | +4.5% | +4.2% |
| Jura | CHF 664.10 | CHF 699.30 | +5.3% | +2.7% |
| Lucerne | CHF 552.70 | CHF 567.13 | +2.6% | +3.1% |
| Neuchâtel | CHF 711.60 | CHF 750.10 | +5.4% | +4.0% |
| Nidwalden | CHF 478.60 | CHF 516.90 | +8.0% | +2.4% |
| Obwalden | CHF 498.40 | CHF 520.90 | +4.5% | +4.3% |
| Schaffhausen | CHF 595.90 | CHF 604.35 | +1.4% | +2.4% |
| Schwyz | CHF 550.90 | CHF 579.60 | +5.2% | +4.0% |
| Solothurn | CHF 621.30 | CHF 641.90 | +3.3% | +4.4% |
| St. Gallen | CHF 623.77 | CHF 623.77 | +0.0% | +3.1% |
| Thurgau | CHF 553.30 | CHF 582.10 | +5.2% | +2.1% |
| Ticino | CHF 716.35 | CHF 749.35 | +4.6% | +5.7% |
| Uri | CHF 539.40 | CHF 563.70 | +4.5% | +4.6% |
| Valais | CHF 573.70 | CHF 607.05 | +5.8% | +4.2% |
| Vaud | CHF 697.15 | CHF 716.20 | +2.7% | +2.4% |
| Zug | CHF 517.20 | CHF 451.00 | −12.8% | −9.0% |
| Zurich | CHF 607.93 | CHF 643.23 | +5.8% | +3.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are Philos premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Philos in 2026 ranges from CHF 451.00 (canton of Zug) to CHF 782.50 (canton of Geneva). With a higher deductible or a model, the premium is lower.
Which models does Philos offer?
In 2026, Philos has premiums for 3 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type and 2 tariffs of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is Philos more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 106.6 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2026 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- Philos: website (address), retrieved on 25.09.2026groupemutuel.ch
- Philos: website (physician search), retrieved on 25.09.2026groupemutuel.ch