Here you can find information on customer satisfaction and learn what experiences other Comparis users had with the insurance company.
|5.1||Competence and helpfulness of employees|
|5.0||Statements (clarity, prompt payment, goodwill etc.)|
|4.8||Clarity and comprehensibility of customer information|
4.5% of premiums
Collection of data 11/2016
|Reserves of the health insurer Philos||2014||2015|
|Number of policyholders||305,408||275,760|
|Reserves in millions of CHF||142.7||145.7|
|Minimum reserves in millions of CHF||137.6||131.5|
Philos Assurance Maladie SA belongs to Groupe Mutuel Holding.
In 2006, the insurance company Philos, from the canton of Vaud, joined Groupe Mutuel. At the beginning of 2011, Philos Assurance Maladie SA was formed out of the following health insurance providers from Groupe Mutuel: Philos, Avantis, Krankenkasse öffentliche Dienste, Caisse maladie Troistorrents, Panorama and EOS.
The law stipulates which benefits the mandatory basic insurance covers. The benefits are the same with all insurance providers.
For the mandatory basic insurance, health insurance providers must accept all applicants irrespective of age, gender or state of health (full freedom to choose one's insurer). However, special attention should still be given to the notice periods.
In addition to the mandatory basic insurance, Groupe Mutuel offers alternative insurance models. However, these models are not available everywhere in Switzerland. You can find out most easily if they are offered in your place of residence by making a premium comparison.
Philos Assurance Maladie SA
Rue de Cèdres 5
Tel. 0848 803 111
Fax 0848 803 112
Average number of policyholders in the previous year (basic insurance only).
Including reserves for optional daily benefits insurance.
Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.