Philos Krankenversicherung AG: 2027 premiums by premium region
Philos Krankenversicherung AG offers basic insurance for 2027 in 42 of the 42 premium regions (26 cantons). Its standard adult premium (free choice of doctor, CHF 300 deductible, with accident cover) ranges from CHF 455.60 (Zug) to CHF 854.70 (Basel-Stadt) a month; compared with 2026 it changes by a median +4.5%. Philos Krankenversicherung AG is not the cheapest insurer in the standard model in any region. Philos Krankenversicherung AG's lowest premium is CHF 261.60 (Zug, OptiMed (Ärztenetz), CHF 2’500 deductible).
Head office: 1919 Martigny · BAG 1535
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Philos Krankenversicherung AG in every premium region (CHF per month)
Standard = free choice of doctor, CHF 300 deductible, with accident cover, adults 26+. Change on the same tariff as in 2026. Lowest = the insurer's cheapest model with the highest deductible. Children = standard model, CHF 0 deductible. Rank = position among all insurers of the region in the standard model (1 = cheapest).
| Premium region | Standard 2027 | vs 2026 | Rank | Lowest | Children |
|---|---|---|---|---|---|
| Aargau | 629.60 | +3.2% | 26 of 27 | 413.50 OptiMed (Ärztenetz) | 156.00 |
| Appenzell Outer Rhodes | 672.30 | +10.1% | 23 of 23 | 450.20 OptiMed (Ärztenetz) | 152.90 |
| Appenzell Inner Rhodes | 496.80 | +5.5% | 19 of 23 | 296.80 OptiMed (Ärztenetz) | 132.00 |
| Basel-Landschaft, region 1 | 764.30 | +4.5% | 20 of 23 | 525.50 OptiMed (Ärztenetz) | 188.10 |
| Basel-Landschaft, region 2 | 726.10 | +4.5% | 20 of 23 | 492.90 OptiMed (Ärztenetz) | 178.70 |
| Basel-Stadt | 854.70 | +12.0% | 23 of 23 | 602.80 OptiMed (Ärztenetz) | 188.80 |
| Bern, region 1 | 764.90 | +6.7% | 25 of 26 | 522.20 OptiMed (Ärztenetz) | 165.90 |
| Bern, region 2 | 696.10 | +6.7% | 26 of 26 | 463.70 OptiMed (Ärztenetz) | 151.00 |
| Bern, region 3 | 673.20 | +6.7% | 26 of 26 | 444.20 OptiMed (Ärztenetz) | 146.00 |
| Fribourg, region 1 | 661.30 | +3.3% | 20 of 23 | 437.50 OptiMed (Ärztenetz) | 170.50 |
| Fribourg, region 2 | 615.10 | +3.3% | 20 of 23 | 397.90 OptiMed (Ärztenetz) | 158.60 |
| Geneva | 793.50 | +1.4% | 16 of 21 | 550.50 OptiMed (Ärztenetz) | 191.80 |
| Glarus | 552.80 | +6.3% | 13 of 26 | 347.50 SanaTel (Telemedizin) | 131.20 |
| Grisons, region 1 | 626.00 | +4.5% | 19 of 24 | 407.30 OptiMed (Ärztenetz) | 155.70 |
| Grisons, region 2 | 588.50 | +4.5% | 19 of 24 | 375.20 OptiMed (Ärztenetz) | 146.40 |
| Grisons, region 3 | 582.20 | +8.0% | 22 of 24 | 369.80 OptiMed (Ärztenetz) | 144.90 |
| Jura | 703.50 | +0.6% | 11 of 21 | 473.50 SanaTel (Telemedizin) | 156.40 |
| Lucerne, region 1 | 633.00 | +6.6% | 23 of 25 | 416.40 OptiMed (Ärztenetz) | 143.90 |
| Lucerne, region 2 | 607.70 | +7.7% | 24 of 25 | 394.70 OptiMed (Ärztenetz) | 138.20 |
| Lucerne, region 3 | 595.10 | +9.5% | 23 of 25 | 383.80 OptiMed (Ärztenetz) | 135.30 |
| Neuchâtel | 757.70 | +1.0% | 16 of 21 | 519.90 SanaTel (Telemedizin) | 174.00 |
| Nidwalden | 572.30 | +10.7% | 25 of 26 | 361.40 OptiMed (Ärztenetz) | 124.50 |
| Obwalden | 544.40 | +4.5% | 21 of 26 | 340.20 SanaTel (Telemedizin) | 128.30 |
| Schaffhausen, region 1 | 649.80 | +4.3% | 20 of 23 | 427.60 OptiMed (Ärztenetz) | 140.60 |
| Schaffhausen, region 2 | 610.90 | +4.3% | 17 of 23 | 394.30 OptiMed (Ärztenetz) | 132.20 |
| Schwyz | 579.60 | 0.0% | 27 of 28 | 367.60 OptiMed (Ärztenetz) | 144.50 |
| Solothurn | 712.60 | +11.0% | 25 of 25 | 484.90 OptiMed (Ärztenetz) | 159.20 |
| St. Gallen, region 1 | 730.50 | +9.7% | 25 of 25 | 500.30 OptiMed (Ärztenetz) | 167.90 |
| St. Gallen, region 2 | 664.80 | +9.7% | 25 of 25 | 443.70 OptiMed (Ärztenetz) | 152.80 |
| St. Gallen, region 3 | 657.50 | +9.7% | 25 of 25 | 437.50 OptiMed (Ärztenetz) | 151.20 |
| Ticino, region 1 | 803.10 | +4.0% | 16 of 21 | 562.70 SanaTel (Telemedizin) | 186.70 |
| Ticino, region 2 | 755.00 | +4.0% | 15 of 21 | 521.30 SanaTel (Telemedizin) | 175.50 |
| Thurgau | 652.00 | +12.0% | 23 of 23 | 429.50 OptiMed (Ärztenetz) | 165.60 |
| Uri | 589.10 | +4.5% | 25 of 26 | 375.70 OptiMed (Ärztenetz) | 136.20 |
| Vaud, region 1 | 779.20 | +2.0% | 20 of 21 | 511.00 SanaTel (Telemedizin) | 196.10 |
| Vaud, region 2 | 681.80 | +2.0% | 14 of 21 | 431.10 SanaTel (Telemedizin) | 171.60 |
| Valais, region 1 | 649.00 | +3.7% | 23 of 24 | 426.90 OptiMed (Ärztenetz) | 144.90 |
| Valais, region 2 | 610.10 | +3.7% | 25 of 26 | 393.70 OptiMed (Ärztenetz) | 136.30 |
| Zug | 455.60 | +1.0% | 21 of 27 | 261.60 OptiMed (Ärztenetz) | 120.70 |
| Zurich, region 1 | 709.40 | +2.2% | 24 of 27 | 482.10 OptiMed (Ärztenetz) | 186.00 |
| Zurich, region 2 | 652.70 | +5.6% | 25 of 27 | 433.30 OptiMed (Ärztenetz) | 171.20 |
| Zurich, region 3 | 645.60 | +4.5% | 27 of 27 | 427.20 OptiMed (Ärztenetz) | 169.30 |
Frequently asked questions
Where is Philos Krankenversicherung AG cheapest in 2027?
In the standard model with the CHF 300 deductible and accident cover, Philos Krankenversicherung AG is cheapest in 2027 in the premium region Zug: CHF 455.60 a month (FOPH-approved premiums).
In how many regions does Philos Krankenversicherung AG offer basic insurance?
Philos Krankenversicherung AG has FOPH-approved 2027 premiums in 42 of Switzerland's 42 premium regions.
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All premium regions · Premium history 2010–2027
All premiums are the compulsory health insurance premiums approved by the FOPH for 2027 (Prämien_CH.csv, opendata.swiss). Premium subsidies and discounts are not included; the insurer’s offer is binding.
Source: BAG / FOPH, opendata.swiss · priminfo.admin.ch · SLI-2026-10-03.32
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