Philos Health Insurance

Offered by Groupe Mutuel

Philos - Premium development

KK Name
  • # Members  |  CHF 0.00   premium
  • Customer satisfaction  (2017)   5.0
Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

Experiences and questions regarding Philos in our forum

  • be aware with your reimbursements in overseas

    I have had the worst experience with this insurance, I had a medical urgency, which required hospitalization and surgery in overseas. I handed them all the documents (invoices, payments slips, medical reports, diagnostic images, etc). Firstly, they got lost internally the diagnostic images. Secondly, More

    • 0
    • 0

    0 comments | read 635 time(s)

  • Cancellation

    I cancelled my health insurance last year with Philos, however, they continue to send me monthly premium invoices as well as late fee notices for prior months. I have written confirmation from company representatives that my policy has been cancelled but the bills keep coming. I even have a representative More

    • 1
    • 0

    4 comments | read 582 time(s)

More information on Philos

Customer satisfaction with Philos

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
5.0 Overall rating

Comparis Rating

  • Mark 6.0 – 5.5: excellent
  • Mark 5.4 – 5.0: good
  • Mark 4.9 – 4.5: satisfactory
  • Mark 4.4 – 4.0: adequate
  • Mark 3.9 – 1.0: inadequate

Philos - efficiency of administration

Administrative costs

4.5% of premiums

Collection of data 11/2016

When is a health insurance company efficient?

Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

Offered by Groupe Mutuel

Philos – company details

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
Solvency ratio 104.0% 111.0% displays the supervision data published by the FOPH. does not guarantee the accuracy of the data. Last updated: 26.09.2016

About Philos

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.

Benefits covered under basic insurance

The law stipulates which benefits the mandatory basic insurance covers. The benefits are the same with all insurance providers.

Switching to Groupe Mutuel for basic insurance

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.

Products from Groupe Mutuel

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.

How to contact Philos

Philos Assurance Maladie SA
Rue de Cèdres 5
1920 Martigny
Tel. 0848 803 111
Fax 0848 803 112

Request a no-obligation quote now

Philos - 0 more forum articles



Number of policyholders

Average number of policyholders in the previous year (basic insurance only).

Reserves in millions of CHF

Including reserves for optional daily benefits insurance.

Minimum reserves in millions of CHF

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.

Solvency ratio

The solvency ratio indicates the ratio between the existing reserves and the minimum amount.



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