AMB in canton Appenzell Ausserrhoden: twelve years of premiums
In canton Appenzell Ausserrhoden, the lowest AMB premium went from CHF 335.00 a month in 2015 to CHF 421.90 in 2023 — a rise of +25.9 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 335.00 | CHF 236.00 | CHF 99.00 |
| 2016 | CHF 350.00 | CHF 266.80 | CHF 83.20 |
| 2017 | CHF 375.00 | CHF 288.70 | CHF 86.30 |
| 2018 | CHF 399.00 | CHF 302.10 | CHF 96.90 |
| 2019 | CHF 424.00 | CHF 320.40 | CHF 103.60 |
| 2020 | CHF 424.00 | CHF 339.10 | CHF 84.90 |
| 2021 | CHF 424.00 | CHF 336.80 | CHF 87.20 |
| 2022 | CHF 420.00 | CHF 345.20 | CHF 74.80 |
| 2023 | CHF 421.90 | CHF 341.20 | CHF 80.70 |
Faster or slower than the rest?
AMB rose +25.9 % over the period, against +44.6 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2017: +7.1 % in one go. The premium did not move in 2020, 2021.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
AMB, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.