KLuG in the canton of Appenzell Innerrhoden
KLuG disappeared from the official file after 2025. In the canton of Appenzell Innerrhoden its last known premium was CHF 413.20 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 353.50 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 400.33: someone who does not compare pays CHF 561.96 more per year.
What it had done with its prices
Between 2015 and 2025, the lowest KLuG premium went from CHF 310.00 to CHF 413.20 a month — a rise of +33.3 %. The table below places it next to the cheapest insurer in the same place, year by year.
| Year | This insurer | The cheapest |
|---|---|---|
| 2015 | CHF 310.00 | CHF 236.30 |
| 2016 | CHF 347.20 | CHF 249.50 |
| 2017 | CHF 375.00 | CHF 272.50 |
| 2018 | CHF 375.00 | CHF 282.40 |
| 2019 | CHF 375.00 | CHF 280.20 |
| 2020 | CHF 375.00 | CHF 285.90 |
| 2021 | CHF 337.50 | CHF 272.10 |
| 2022 | CHF 337.50 | CHF 278.10 |
| 2023 | CHF 351.00 | CHF 310.60 |
| 2024 | CHF 382.60 | CHF 329.60 |
| 2025 | CHF 413.20 | CHF 345.60 |
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.