Philos's 2027 premiums in every canton
Philos (Philos Assurance Maladie SA) offers basic insurance in all 26 cantons. In 2027, its standard monthly premium for an adult (26 and over, with accident cover, CHF 300 deductible) ranges from CHF 455.60 (Zug) to CHF 854.70 (Basel-Stadt). It is not the cheapest standard insurer in any of the 42 premium regions where it operates. Compared with 2026, its standard premiums change by +5.5% on average. Models offered: Free choice of doctor, Family doctor or HMO, Combined model, Telemedicine.
Official 2027 FOPH premiums, published on . Page updated on .
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2027 premiums by canton and region
| Canton | Region | Standard, CHF 300 | Rank | Cheapest in the region | Gap per year | All models, CHF 2,500 | Child, standard | Vs 2026 |
|---|---|---|---|---|---|---|---|---|
| Aargau | – | CHF 629.60 | 26/27 | Agrisano CHF 548.80 | CHF 970 | CHF 413.50 | CHF 156.00 | +3.2% |
| Appenzell Innerrhoden | – | CHF 496.80 | 19/23 | ÖKK CHF 436.00 | CHF 730 | CHF 296.80 | CHF 132.00 | +5.5% |
| Appenzell Ausserrhoden | – | CHF 672.30 | 23/23 | Agrisano CHF 501.00 | CHF 2'056 | CHF 450.20 | CHF 152.90 | +10.1% |
| Bern | 1 | CHF 764.90 | 25/26 | Sanitas CHF 653.70 | CHF 1'334 | CHF 522.20 | CHF 165.90 | +6.7% |
| Bern | 2 | CHF 696.10 | 26/26 | ÖKK CHF 590.00 | CHF 1'273 | CHF 463.70 | CHF 151.00 | +6.7% |
| Bern | 3 | CHF 673.20 | 26/26 | Agrisano CHF 541.20 | CHF 1'584 | CHF 444.20 | CHF 146.00 | +6.7% |
| Basel-Landschaft | 1 | CHF 764.30 | 20/23 | ÖKK CHF 650.00 | CHF 1'372 | CHF 525.50 | CHF 188.10 | +4.5% |
| Basel-Landschaft | 2 | CHF 726.10 | 20/23 | ÖKK CHF 606.00 | CHF 1'441 | CHF 492.90 | CHF 178.70 | +4.5% |
| Basel-Stadt | – | CHF 854.70 | 23/23 | SLKK CHF 690.40 | CHF 1'972 | CHF 602.80 | CHF 188.80 | +12.0% |
| Fribourg | 1 | CHF 661.30 | 20/23 | Atupri CHF 593.30 | CHF 816 | CHF 437.50 | CHF 170.50 | +3.3% |
| Fribourg | 2 | CHF 615.10 | 20/23 | ÖKK CHF 551.00 | CHF 769 | CHF 397.90 | CHF 158.60 | +3.3% |
| Geneva | – | CHF 793.50 | 16/21 | Assura CHF 711.20 | CHF 988 | CHF 550.50 | CHF 191.80 | +1.4% |
| Glarus | – | CHF 552.80 | 13/26 | Agrisano CHF 523.80 | CHF 348 | CHF 347.50 | CHF 131.20 | +6.3% |
| Graubünden | 1 | CHF 626.00 | 19/24 | Cassa da malsauns Lumneziana CHF 525.20 | CHF 1'210 | CHF 407.30 | CHF 155.70 | +4.5% |
| Graubünden | 2 | CHF 588.50 | 19/24 | Cassa da malsauns Lumneziana CHF 489.50 | CHF 1'188 | CHF 375.20 | CHF 146.40 | +4.5% |
| Graubünden | 3 | CHF 582.20 | 22/24 | Cassa da malsauns Lumneziana CHF 450.80 | CHF 1'577 | CHF 369.80 | CHF 144.90 | +8.0% |
| Jura | – | CHF 703.50 | 11/21 | Atupri CHF 655.80 | CHF 572 | CHF 473.50 | CHF 156.40 | +0.6% |
| Lucerne | 1 | CHF 633.00 | 23/25 | Krankenkasse Luzerner Hinterland CHF 527.65 | CHF 1'264 | CHF 416.40 | CHF 143.90 | +6.6% |
| Lucerne | 2 | CHF 607.70 | 24/25 | Krankenkasse Luzerner Hinterland CHF 489.65 | CHF 1'417 | CHF 394.70 | CHF 138.20 | +7.7% |
| Lucerne | 3 | CHF 595.10 | 23/25 | Krankenkasse Luzerner Hinterland CHF 468.65 | CHF 1'517 | CHF 383.80 | CHF 135.30 | +9.5% |
| Neuchâtel | – | CHF 757.70 | 16/21 | Atupri CHF 675.60 | CHF 985 | CHF 519.90 | CHF 174.00 | +1.0% |
| Nidwalden | – | CHF 572.30 | 25/26 | Agrisano CHF 461.50 | CHF 1'330 | CHF 361.40 | CHF 124.50 | +10.7% |
| Obwalden | – | CHF 544.40 | 21/26 | Agrisano CHF 474.00 | CHF 845 | CHF 340.20 | CHF 128.30 | +4.5% |
| St. Gallen | 1 | CHF 730.50 | 25/25 | Agrisano CHF 560.50 | CHF 2'040 | CHF 500.30 | CHF 167.90 | +9.7% |
| St. Gallen | 2 | CHF 664.80 | 25/25 | Agrisano CHF 509.90 | CHF 1'859 | CHF 443.70 | CHF 152.80 | +9.7% |
| St. Gallen | 3 | CHF 657.50 | 25/25 | Agrisano CHF 488.00 | CHF 2'034 | CHF 437.50 | CHF 151.20 | +9.7% |
| Schaffhausen | 1 | CHF 649.80 | 20/23 | Agrisano CHF 568.30 | CHF 978 | CHF 427.60 | CHF 140.60 | +4.3% |
| Schaffhausen | 2 | CHF 610.90 | 17/23 | Agrisano CHF 514.50 | CHF 1'157 | CHF 394.30 | CHF 132.20 | +4.3% |
| Solothurn | – | CHF 712.60 | 25/25 | Agrisano CHF 582.40 | CHF 1'562 | CHF 484.90 | CHF 159.20 | +11.0% |
| Schwyz | – | CHF 579.60 | 27/28 | Einsiedler Krankenkasse CHF 454.70 | CHF 1'499 | CHF 367.60 | CHF 144.50 | 0.0% |
| Thurgau | – | CHF 652.00 | 23/23 | Agrisano CHF 524.60 | CHF 1'529 | CHF 429.50 | CHF 165.60 | +12.0% |
| Ticino | 1 | CHF 803.10 | 16/21 | Agrisano CHF 713.00 | CHF 1'081 | CHF 562.70 | CHF 186.70 | +4.0% |
| Ticino | 2 | CHF 755.00 | 15/21 | Agrisano CHF 658.00 | CHF 1'164 | CHF 521.30 | CHF 175.50 | +4.0% |
| Uri | – | CHF 589.10 | 25/26 | Atupri CHF 463.90 | CHF 1'502 | CHF 375.70 | CHF 136.20 | +4.5% |
| Vaud | 1 | CHF 779.20 | 20/21 | Galenos CHF 661.40 | CHF 1'414 | CHF 511.00 | CHF 196.10 | +2.0% |
| Vaud | 2 | CHF 681.80 | 14/21 | Galenos CHF 614.40 | CHF 809 | CHF 431.10 | CHF 171.60 | +2.0% |
| Valais | 1 | CHF 649.00 | 23/24 | Atupri CHF 574.20 | CHF 898 | CHF 426.90 | CHF 144.90 | +3.7% |
| Valais | 2 | CHF 610.10 | 25/26 | Krankenkasse Visperterminen CHF 494.45 | CHF 1'388 | CHF 393.70 | CHF 136.30 | +3.7% |
| Zug | – | CHF 455.60 | 21/27 | Agrisano CHF 405.30 | CHF 604 | CHF 261.60 | CHF 120.70 | +1.0% |
| Zurich | 1 | CHF 709.40 | 24/27 | SLKK CHF 633.00 | CHF 917 | CHF 482.10 | CHF 186.00 | +2.2% |
| Zurich | 2 | CHF 652.70 | 25/27 | Krankenkasse Wädenswil CHF 557.10 | CHF 1'147 | CHF 433.30 | CHF 171.20 | +5.6% |
| Zurich | 3 | CHF 645.60 | 27/27 | Krankenkasse Wädenswil CHF 508.10 | CHF 1'650 | CHF 427.20 | CHF 169.30 | +4.5% |
Rank: position of the insurer's standard premium among all standard offers of the region (1 = the cheapest). Gap per year: what the insurer costs over 12 months beyond the cheapest standard offer of the region. "All models": the insurer's lowest premium with the CHF 2,500 deductible, across all models.
Philos's insurance models
For basic insurance, the benefits reimbursed are the same in every model. An alternative model restricts your first point of contact in exchange for a lower premium.
- Free choice of doctor
- Family doctor or HMO: OptiMed (Ärztenetz), PrimaCare (Hausarzt)
- Combined model: PrimaFlex (flexibles Modell)
- Telemedicine: SanaTel (Telemedizin)
Frequently asked questions
01Is Philos cheaper in 2027?
In none of the 42 regions where it operates does Philos have the cheapest standard offer. Its lowest standard premium for an adult is CHF 455.60 a month (Zug). The ranking depends on your region, age, deductible and model: type your postcode above to see Philos against the other insurers and your possible saving.
02How do I cancel Philos?
By registered letter, which must reach Philos by 30 November 2026 at the latest for a switch on 1 January 2027. Cancel basic insurance only, and only once the new insurer has made its offer. The 5 steps and the letter template.
03Which insurance models does Philos offer?
Free choice of doctor, Family doctor or HMO, Combined model, Telemedicine. Basic insurance benefits are identical in every model and with every insurer; only the price and the first point of contact change.
04Can Philos refuse to insure me?
No. For basic insurance (KVG/LAMal), every insurer must accept anyone living in a canton where it operates, whatever their age or health, with no medical questionnaire. This is not the case for supplementary insurance.
The other health insurers in 2027
- Agrisano
- Aquilana
- Assura
- Atupri
- Avenir
- Cassa da malsauns Lumneziana
- Concordia
- CSS
- EGK
- Einsiedler Krankenkasse
- Galenos
- Glarner Krankenversicherung
- Helsana
- KPT
- Krankenkasse Birchmeier
- Krankenkasse Luzerner Hinterland
- Krankenkasse Steffisburg
- Krankenkasse Visperterminen
- Krankenkasse Wädenswil
- Mutuel Assurance
- ÖKK
- rhenusana
- sana24
- Sanitas
- SLKK
- sodalis
- Sumiswalder Krankenkasse
- SWICA
- Sympany
- Visana
- vita surselva
Comparison of the 26 cantons · Understand Swiss health insurance · Switch insurer · About and method