KLuG in the canton of Appenzell Ausserrhoden
KLuG disappeared from the official file after 2025. In the canton of Appenzell Ausserrhoden its last known premium was CHF 447.95 a month, for an adult with a CHF 300 deductible and accident cover.
What it costs today
In the same place, the cheapest insurer in 2026 is Agrisano, at CHF 412.30 a month. That is the price a former KLuG policyholder should compare against what they actually pay — an automatic transfer puts nobody with the cheapest.
The market average there is CHF 476.90: someone who does not compare pays CHF 775.20 more per year.
What it had done with its prices
Between 2015 and 2025, the lowest KLuG premium went from CHF 329.40 to CHF 447.95 a month — a rise of +36.0 %. The table below places it next to the cheapest insurer in the same place, year by year.
| Year | This insurer | The cheapest |
|---|---|---|
| 2015 | CHF 329.40 | CHF 236.00 |
| 2016 | CHF 368.90 | CHF 266.80 |
| 2017 | CHF 398.40 | CHF 288.70 |
| 2018 | CHF 398.40 | CHF 302.10 |
| 2019 | CHF 398.40 | CHF 320.40 |
| 2020 | CHF 398.40 | CHF 339.10 |
| 2021 | CHF 358.55 | CHF 336.80 |
| 2022 | CHF 358.55 | CHF 345.20 |
| 2023 | CHF 372.90 | CHF 341.20 |
| 2024 | CHF 414.80 | CHF 373.20 |
| 2025 | CHF 447.95 | CHF 395.60 |
Where did the portfolio go?
We do not say, because we do not know it from an official source. The FOPH publishes premiums, not portfolio transfers. Your current policy and statements carry the name of the insurer covering you today: that is the only reliable answer, and it is in your own paperwork.
KLuG, canton by canton
Other insurers that closed
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.