Philos premiums 2027
In 2027, Philos becomes 3.4% more expensive on average. All insurers together: +5.0%.iStandard model, adults, deductible 300, with accident cover. Average across all cantons, weighted by insured persons. The all-insurer average is the FOPH mean premium.
Philos 2027 in every canton
Example: adult without accident cover (insured through the employer), cheapest offer per month.iMany cantons have two or three premium regions. We show region 1, usually the cities. In rural areas it is often a little cheaper. The calculator shows your exact premium.iThe cheapest offer from Philos in the canton, usually a savings model (family doctor, HMO, Telmed, same benefits). Rank among all insurers: 1 means nobody is cheaper.
| Canton | Deductible 300 | Deductible 2'500 |
|---|---|---|
| Aargau | CHF 503.60HMO · Rank 23 of 27 | CHF 384.60HMO · Rank 22 of 27 |
| Appenzell Ausserrhoden | CHF 537.80HMO · Rank 21 of 23 | CHF 418.70HMO · Rank 21 of 23 |
| Appenzell Innerrhoden | CHF 395.10HMO · Rank 15 of 23 | CHF 276.00HMO · Rank 15 of 23 |
| Basel-Landschaft | CHF 607.80HMO · Rank 18 of 23 | CHF 488.70HMO · Rank 16 of 23 |
| Basel-Stadt | CHF 679.70HMO · Rank 21 of 23 | CHF 560.60HMO · Rank 20 of 23 |
| Bern | CHF 604.70HMO · Rank 22 of 26 | CHF 485.70HMO · Rank 21 of 26 |
| Fribourg | CHF 525.90HMO · Rank 19 of 23 | CHF 406.80HMO · Rank 18 of 23 |
| Geneva | CHF 631.00HMO · Rank 17 of 21 | CHF 512.00HMO · Rank 17 of 21 |
| Glarus | CHF 442.20Telmed · Rank 6 of 26 | CHF 323.10Telmed · Rank 7 of 26 |
| Graubünden | CHF 497.80HMO · Rank 15 of 24 | CHF 378.80HMO · Rank 15 of 24 |
| Jura | CHF 559.40Telmed · Rank 7 of 21 | CHF 440.40Telmed · Rank 6 of 21 |
| Lucerne | CHF 506.30HMO · Rank 20 of 25 | CHF 387.30HMO · Rank 18 of 25 |
| Neuchâtel | CHF 599.00Alternative · Rank 14 of 21 | CHF 483.50Telmed · Rank 15 of 21 |
| Nidwalden | CHF 455.10HMO · Rank 23 of 26 | CHF 336.10HMO · Rank 23 of 26 |
| Obwalden | CHF 432.90Alternative · Rank 15 of 26 | CHF 316.40Telmed · Rank 16 of 26 |
| Schaffhausen | CHF 516.70HMO · Rank 17 of 23 | CHF 397.70HMO · Rank 17 of 23 |
| Schwyz | CHF 460.90HMO · Rank 21 of 28 | CHF 341.90HMO · Rank 22 of 28 |
| Solothurn | CHF 570.00HMO · Rank 23 of 25 | CHF 450.90HMO · Rank 23 of 25 |
| St. Gallen | CHF 584.30HMO · Rank 25 of 25 | CHF 465.30HMO · Rank 25 of 25 |
| Thurgau | CHF 518.50HMO · Rank 22 of 23 | CHF 399.40HMO · Rank 21 of 23 |
| Ticino | CHF 638.60Alternative · Rank 15 of 21 | CHF 523.30Telmed · Rank 15 of 21 |
| Uri | CHF 468.50HMO · Rank 22 of 26 | CHF 349.40HMO · Rank 21 of 26 |
| Valais | CHF 516.10HMO · Rank 19 of 24 | CHF 397.10HMO · Rank 19 of 24 |
| Vaud | CHF 594.30Telmed · Rank 17 of 21 | CHF 475.20Telmed · Rank 17 of 21 |
| Zug | CHF 362.30HMO · Rank 17 of 27 | CHF 243.30HMO · Rank 17 of 27 |
| Zurich | CHF 567.40HMO · Rank 20 of 27 | CHF 448.40HMO · Rank 21 of 27 |
Philos models
Besides the standard model with free choice of doctor, Philos offers these tariffs in 2027 (not every one in every canton). Benefits are the same in all models, only your first point of contact differs.
- Alternative: PrimaFlex (flexibles Modell)
- Family doctor: PrimaCare (Hausarzt)
- HMO: OptiMed (Ärztenetz)
- Telmed: SanaTel (Telemedizin)
Groupe Mutuel group
Philos belongs to the Groupe Mutuel group. Other insurers in the group with their own premiums: Avenir, Mutuel.
Cancel Philos
Your cancellation of basic insurance must reach Philos by 30 November 2026; the postmark does not count. Address according to the FOPH list of licensed health insurers:
Philos Krankenversicherung AG
Rue des Cèdres 5
1919 Martigny
Create a cancellation letter to Philos, ready to print.
Frequently asked questions
How much are Philos premiums rising in 2027?
The standard premium for adults with a 300 deductible rises at Philos by +3.4% on average, weighted by insured persons per canton. According to the FOPH, the average premium of all insurers rises by 5.0%.
Is Philos cheap?
For adults without accident cover and a 2'500 deductible, Philos is among the three cheapest insurers in 0 of 26 cantons in 2027. How cheap it is for you depends on where you live, your deductible and the model.
When is the deadline to cancel Philos?
Your cancellation must reach Philos by 30 November 2026; you then switch on 1 January 2027. Address: Philos Krankenversicherung AG, Rue des Cèdres 5, 1919 Martigny.
Source: Federal Office of Public Health (FOPH), premiums 2027 and 2026; insured persons 2025. No liability for accuracy. All insurers · Methodology