KLuG in the canton of Lucerne
KLuG disappeared from the official file after 2025. In the canton of Lucerne its last known premium was CHF 462.05 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 414.30 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 451.29: someone who does not compare pays CHF 443.88 more per year.
What it had done with its prices
Between 2015 and 2025, the lowest KLuG premium went from CHF 296.50 to CHF 462.05 a month — a rise of +55.8 %. The table below places it next to the cheapest insurer in the same place, year by year.
| Year | This insurer | The cheapest |
|---|---|---|
| 2015 | CHF 296.50 | CHF 237.10 |
| 2016 | CHF 379.80 | CHF 264.00 |
| 2017 | CHF 412.10 | CHF 285.00 |
| 2018 | CHF 412.10 | CHF 316.30 |
| 2019 | CHF 412.10 | CHF 322.00 |
| 2020 | CHF 412.10 | CHF 312.00 |
| 2021 | CHF 339.45 | CHF 330.60 |
| 2022 | CHF 339.45 | CHF 326.80 |
| 2023 | CHF 346.25 | CHF 336.60 |
| 2024 | CHF 403.75 | CHF 372.90 |
| 2025 | CHF 462.05 | CHF 403.40 |
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.