Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 629.60 | CHF 541.50up to CHF 563.50 | CHF 544.70 | CHF 544.70 |
| Appenzell Inner Rhodes | CHF 496.80 | CHF 424.80up to CHF 444.70 | CHF 424.80 | CHF 427.30 |
| Appenzell Outer Rhodes | CHF 672.30 | CHF 578.20up to CHF 601.80 | CHF 578.20 | CHF 578.20 |
| Basel-City | CHF 854.70 | CHF 730.80up to CHF 765.00 | CHF 730.80 | CHF 735.10 |
| Basel-Country2 premium regions | CHF 726.10up to CHF 764.30 | CHF 620.90up to CHF 684.10 | CHF 620.90up to CHF 653.50 | CHF 624.50up to CHF 657.30 |
| Bern3 premium regions | CHF 673.20up to CHF 764.90 | CHF 572.20up to CHF 680.80 | CHF 582.30up to CHF 661.70 | CHF 575.60up to CHF 654.00 |
| Fribourg2 premium regions | CHF 615.10up to CHF 661.30 | CHF 525.90up to CHF 591.90 | CHF 532.00up to CHF 572.10 | CHF 535.10up to CHF 575.40 |
| Geneva | CHF 793.50 | CHF 678.50up to CHF 710.20 | CHF 686.40 | CHF 686.40 |
| Glarus | CHF 552.80 | CHF 494.80 | CHF 478.20 | CHF 475.50 |
| Graubünden3 premium regions | CHF 582.20up to CHF 626.00 | CHF 497.80up to CHF 560.30 | CHF 497.80up to CHF 535.30 | CHF 500.70up to CHF 538.40 |
| Jura | CHF 703.50 | CHF 605.10up to CHF 629.70 | CHF 608.60 | CHF 601.50 |
| Lucerne3 premium regions | CHF 595.10up to CHF 633.00 | CHF 511.80up to CHF 566.60 | CHF 514.70up to CHF 547.60 | CHF 514.70up to CHF 547.60 |
| Neuchâtel | CHF 757.70 | CHF 651.70up to CHF 678.20 | CHF 644.10 | CHF 647.90 |
| Nidwalden | CHF 572.30 | CHF 489.40up to CHF 512.30 | CHF 489.40 | CHF 492.20 |
| Obwalden | CHF 544.40 | CHF 487.30 | CHF 465.50 | CHF 468.20 |
| Schaffhausen2 premium regions | CHF 610.90up to CHF 649.80 | CHF 522.30up to CHF 581.60 | CHF 528.40up to CHF 562.10 | CHF 531.50up to CHF 565.40 |
| Schwyz | CHF 579.60 | CHF 495.60up to CHF 518.80 | CHF 495.60 | CHF 498.50 |
| Solothurn | CHF 712.60 | CHF 612.90up to CHF 637.80 | CHF 616.40 | CHF 620.00 |
| St. Gallen3 premium regions | CHF 657.50up to CHF 730.50 | CHF 565.50up to CHF 653.80 | CHF 568.70up to CHF 631.90 | CHF 572.00up to CHF 635.60 |
| Thurgau | CHF 652.00 | CHF 557.50up to CHF 583.60 | CHF 557.50 | CHF 560.80 |
| Ticino2 premium regions | CHF 755.00up to CHF 803.10 | CHF 675.70up to CHF 718.80 | CHF 645.50up to CHF 686.70 | CHF 649.30up to CHF 690.70 |
| Uri | CHF 589.10 | CHF 503.70up to CHF 527.30 | CHF 503.70 | CHF 506.70 |
| Valais2 premium regions | CHF 610.10up to CHF 649.00 | CHF 521.70up to CHF 580.90 | CHF 521.70up to CHF 554.90 | CHF 524.70up to CHF 558.20 |
| Vaud2 premium regions | CHF 681.80up to CHF 779.20 | CHF 583.00up to CHF 697.40 | CHF 586.40up to CHF 670.20 | CHF 559.10up to CHF 639.00 |
| Zug | CHF 455.60 | CHF 389.60up to CHF 407.80 | CHF 389.60 | CHF 391.90 |
| Zurich3 premium regions | CHF 645.60up to CHF 709.40 | CHF 555.20up to CHF 635.00 | CHF 558.50up to CHF 613.70 | CHF 561.70up to CHF 617.20 |
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 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026
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 (Ärztenetz)
Premium / month
541.50
CHF
Total / year
CHF 6,818
Saving
−1,057
CHF / year
Appenzell Inner Rhodes
OptiMed (Ärztenetz)
Premium / month
424.80
CHF
Total / year
CHF 5,418
Saving
−864
CHF / year
Appenzell Outer Rhodes
OptiMed (Ärztenetz)
Premium / month
578.20
CHF
Total / year
CHF 7,258
Saving
−1,129
CHF / year
Basel-City
OptiMed (Ärztenetz)
Premium / month
730.80
CHF
Total / year
CHF 9,090
Saving
−1,487
CHF / year
Basel-Country
OptiMed (Ärztenetz) · region 2
Premium / month
620.90
CHF
Total / year
CHF 7,771
Saving
−1,262
CHF / year
Bern
OptiMed (Ärztenetz) · region 3
Premium / month
572.20
CHF
Total / year
CHF 7,186
Saving
−1,212
CHF / year
Fribourg
OptiMed (Ärztenetz) · region 2
Premium / month
525.90
CHF
Total / year
CHF 6,631
Saving
−1,070
CHF / year
Geneva
OptiMed (Ärztenetz)
Premium / month
678.50
CHF
Total / year
CHF 8,462
Saving
−1,380
CHF / year
Glarus
SanaTel (Telemedizin)
Premium / month
475.50
CHF
Total / year
CHF 6,026
Saving
−928
CHF / year
Graubünden
OptiMed (Ärztenetz) · region 3
Premium / month
497.80
CHF
Total / year
CHF 6,294
Saving
−1,013
CHF / year
Jura
SanaTel (Telemedizin)
Premium / month
601.50
CHF
Total / year
CHF 7,538
Saving
−1,224
CHF / year
Lucerne
OptiMed (Ärztenetz) · region 3
Premium / month
511.80
CHF
Total / year
CHF 6,462
Saving
−1,000
CHF / year
Neuchâtel
PrimaFlex (flexibles Modell)
Premium / month
644.10
CHF
Total / year
CHF 8,049
Saving
−1,363
CHF / year
Nidwalden
OptiMed (Ärztenetz)
Premium / month
489.40
CHF
Total / year
CHF 6,193
Saving
−995
CHF / year
Obwalden
PrimaFlex (flexibles Modell)
Premium / month
465.50
CHF
Total / year
CHF 5,906
Saving
−947
CHF / year
Schaffhausen
OptiMed (Ärztenetz) · region 2
Premium / month
522.30
CHF
Total / year
CHF 6,588
Saving
−1,063
CHF / year
Schwyz
OptiMed (Ärztenetz)
Premium / month
495.60
CHF
Total / year
CHF 6,267
Saving
−1,008
CHF / year
Solothurn
OptiMed (Ärztenetz)
Premium / month
612.90
CHF
Total / year
CHF 7,675
Saving
−1,196
CHF / year
St. Gallen
OptiMed (Ärztenetz) · region 3
Premium / month
565.50
CHF
Total / year
CHF 7,106
Saving
−1,104
CHF / year
Thurgau
OptiMed (Ärztenetz)
Premium / month
557.50
CHF
Total / year
CHF 7,010
Saving
−1,134
CHF / year
Ticino
PrimaFlex (flexibles Modell) · region 2
Premium / month
645.50
CHF
Total / year
CHF 8,066
Saving
−1,314
CHF / year
Uri
OptiMed (Ärztenetz)
Premium / month
503.70
CHF
Total / year
CHF 6,364
Saving
−1,025
CHF / year
Valais
OptiMed (Ärztenetz) · region 2
Premium / month
521.70
CHF
Total / year
CHF 6,580
Saving
−1,061
CHF / year
Vaud
SanaTel (Telemedizin) · region 2
Premium / month
559.10
CHF
Total / year
CHF 7,029
Saving
−1,472
CHF / year
Zug
OptiMed (Ärztenetz)
Premium / month
389.60
CHF
Total / year
CHF 4,995
Saving
−792
CHF / year
Zurich
OptiMed (Ärztenetz) · region 3
Premium / month
555.20
CHF
Total / year
CHF 6,982
Saving
−1,085
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 610.00 | CHF 629.60 | +3.2% | +4.8% |
| Appenzell Inner Rhodes | CHF 470.90 | CHF 496.80 | +5.5% | +4.4% |
| Appenzell Outer Rhodes | CHF 610.90 | CHF 672.30 | +10.1% | +4.7% |
| Basel-City | CHF 763.10 | CHF 854.70 | +12.0% | +3.7% |
| Basel-Country | CHF 713.05 | CHF 745.20 | +4.5% | +4.0% |
| Bern | CHF 666.63 | CHF 711.40 | +6.7% | +3.9% |
| Fribourg | CHF 618.00 | CHF 638.20 | +3.3% | +3.9% |
| Geneva | CHF 782.50 | CHF 793.50 | +1.4% | +1.9% |
| Glarus | CHF 520.00 | CHF 552.80 | +6.3% | +3.9% |
| Graubünden | CHF 567.07 | CHF 598.90 | +5.6% | +3.7% |
| Jura | CHF 699.30 | CHF 703.50 | +0.6% | +4.8% |
| Lucerne | CHF 567.13 | CHF 611.93 | +7.9% | +4.5% |
| Neuchâtel | CHF 750.10 | CHF 757.70 | +1.0% | +3.3% |
| Nidwalden | CHF 516.90 | CHF 572.30 | +10.7% | +4.2% |
| Obwalden | CHF 520.90 | CHF 544.40 | +4.5% | +3.8% |
| Schaffhausen | CHF 604.35 | CHF 630.35 | +4.3% | +4.5% |
| Schwyz | CHF 579.60 | CHF 579.60 | +0.0% | +3.9% |
| Solothurn | CHF 641.90 | CHF 712.60 | +11.0% | +4.8% |
| St. Gallen | CHF 623.77 | CHF 684.27 | +9.7% | +3.9% |
| Thurgau | CHF 582.10 | CHF 652.00 | +12.0% | +4.6% |
| Ticino | CHF 749.35 | CHF 779.05 | +4.0% | +4.0% |
| Uri | CHF 563.70 | CHF 589.10 | +4.5% | +4.1% |
| Valais | CHF 607.05 | CHF 629.55 | +3.7% | +3.6% |
| Vaud | CHF 716.20 | CHF 730.50 | +2.0% | +2.6% |
| Zug | CHF 451.00 | CHF 455.60 | +1.0% | +2.8% |
| Zurich | CHF 643.23 | CHF 669.23 | +4.0% | +4.8% |
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 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Philos in 2027 ranges from CHF 455.60 (canton of Zug) to CHF 854.70 (canton of Basel-City). With a higher deductible or a model, the premium is lower.
Which models does Philos offer?
In 2027, Philos has premiums for 4 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type, 1 tariff of the Flex type and 1 tariff 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 2027 index is 108.2 (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 2011–2027 (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