AMB — Region 2, Bern: twelve years of premiums
Region 2, Bern: the lowest AMB premium went from CHF 440.00 a month in 2015 to CHF 509.40 in 2023 — a rise of +15.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 440.00 | CHF 318.80 | CHF 121.20 |
| 2016 | CHF 460.00 | CHF 336.40 | CHF 123.60 |
| 2017 | CHF 485.00 | CHF 361.90 | CHF 123.10 |
| 2018 | CHF 521.00 | CHF 374.00 | CHF 147.00 |
| 2019 | CHF 541.00 | CHF 387.10 | CHF 153.90 |
| 2020 | CHF 541.00 | CHF 396.00 | CHF 145.00 |
| 2021 | CHF 541.00 | CHF 396.00 | CHF 145.00 |
| 2022 | CHF 509.40 | CHF 395.60 | CHF 113.80 |
| 2023 | CHF 509.40 | CHF 410.00 | CHF 99.40 |
Faster or slower than the rest?
AMB rose +15.8 % over the period, against +28.6 % 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 2018: +7.4 % in one go. The premium did not move in 2020, 2021, 2023.
The choice has changed too
In 2015, 46 insurers sold basic cover here. In 2023 there are 34: 12 have gone or merged. Comparing is still possible — on fewer rows. See the insurers that have gone
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.