Philos profile

The legal entity behind Philos is “Philos Krankenversicherung AG” (legal form: company limited by shares (AG), UID CHE-115.748.007), based in Martigny. According to the FOPH register, the insurer belongs to the Groupe Mutuel group. The Federal Office of Public Health (FOPH) lists the insurer under number 1535 in its register of approved health insurers, as of 01.01.2026. The register gives its area of operation as “CH”. In basic health insurance, Philos must accept every person there who is required to take out insurance, without a health questionnaire, and the benefits are the same at every insurer under the Health Insurance Act (KVG/LAMal).

In the 2024 financial year, an average of 200,097 people had basic health insurance with Philos. That is 2.2% of the 9,005,998 insured persons across all insurers. These figures come from the FOPH supervisory data (table T 5.01), which are published every year for all health insurers. Per insured person, the insurer took in an average of CHF 4,708 in premiums in 2024 and paid out CHF 4,904 in net benefits.

For 2027, Philos has approved premiums in 26 of 26 cantons. As the reference for the premium level, we use adults in the standard model with a CHF 300 deductible and accident cover. Across all of the insurer’s premium regions, this gives an index of 108.2, where 100 is the unweighted average of all insurers in the same regions. On average, the premiums are therefore 8.2% above the average. Compared with the respective cantonal average, the lowest index is in the canton of Jura (98.5) and the highest in the canton of St. Gallen (119.9).

Between 2011 and 2027, this reference premium at Philos changed, on average across its own premium regions, from CHF 327.93 to CHF 659.51 per month (+101.1%). Over the same period, the average of all insurers in the same regions went from CHF 343.85 to CHF 610.68 (+77.6%). The chart further down shows the trend year by year.

In 2027, Philos offers 4 model types: standard model (free choice of physicians), GP and HMO models, flex models and telemedicine and other models, with 5 tariffs in total, for example “PrimaCare (Hausarzt)”, “PrimaFlex (flexibles Modell)” and “SanaTel (Telemedizin)”. Models with a restricted choice of service provider often apply only in certain regions; the premium calculator for your municipality shows whether a tariff is offered where you live.

In 2024, administrative costs came to CHF 190 per insured person (all insurers: CHF 193). The claims ratio, i.e. net benefits in relation to premiums, was 104.2% (all insurers: 94.9%). Reserves amounted to CHF 50.1 million, or CHF 250 per insured person. In the KVG solvency test as of 01.01.2025, Philos achieved a solvency ratio of 118%; the required minimum is 100%, while the figure for all insurers was 147%.

You cancel basic health insurance in writing. To switch on 1 January, your notice of cancellation must reach Philos by 30 November (Art. 7 para. 2 HIA); the FOPH recommends sending it by registered mail by 15 November. The insurer’s website does not give a separate cancellation address; we show the general postal address, which you’ll find further down. Which insurer is cheaper for you depends on where you live, your age, your deductible and your model. This page shows official figures without rating; you can work out your personal premiums in the premium calculator.