KLuG in the canton of Bern
KLuG disappeared from the official file after 2025. In the canton of Bern its last known premium was CHF 566.90 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 447.50 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 501.58: someone who does not compare pays CHF 648.96 more per year.
What it had done with its prices
Between 2015 and 2025, the lowest KLuG premium went from CHF 421.25 to CHF 566.90 a month — a rise of +34.6 %. The table below places it next to the cheapest insurer in the same place, year by year.
| Year | This insurer | The cheapest |
|---|---|---|
| 2015 | CHF 421.25 | CHF 298.10 |
| 2016 | CHF 471.85 | CHF 319.60 |
| 2017 | CHF 509.60 | CHF 334.70 |
| 2018 | CHF 509.60 | CHF 343.80 |
| 2019 | CHF 509.60 | CHF 363.50 |
| 2020 | CHF 509.60 | CHF 371.20 |
| 2021 | CHF 458.65 | CHF 368.50 |
| 2022 | CHF 458.65 | CHF 369.00 |
| 2023 | CHF 481.60 | CHF 376.00 |
| 2024 | CHF 524.95 | CHF 403.20 |
| 2025 | CHF 566.90 | CHF 421.30 |
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.