Philos Health Insurance
Philos - Premium development
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.
More about Philos
Customer satisfaction and experience with Philos
satisfactory(4.9)- 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
Collection of data 11/2020
if their administrative costs are less than 4.2% of premiums.
Philos – company details
Reserves of the health insurer Philos | 2019 |
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Number of policyholders
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Number of policyholdersAverage number of policyholders in the previous year (basic insurance only).
|
234,123 |
Reserves in millions of CHF
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Reserves in millions of CHFIncluding reserves for optional daily benefits insurance.
|
174.5 |
Minimum reserves in millions of CHF
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Minimum reserves in millions of CHFSince 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.
|
110.4 |
Solvency ratio
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Solvency ratioThe solvency ratio indicates the ratio between the existing reserves and the minimum amount.
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158.0%
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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
1919 Martigny
Tel. 0848 803 111
Fax 0848 803 112
info@groupemutuel.ch