AMB — Region 1, Fribourg: twelve years of premiums
Region 1, Fribourg: the lowest AMB premium went from CHF 415.00 a month in 2015 to CHF 494.00 in 2023 — a rise of +19.0 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 415.00 | CHF 311.10 | CHF 103.90 |
| 2016 | CHF 430.00 | CHF 333.70 | CHF 96.30 |
| 2017 | CHF 455.00 | CHF 356.40 | CHF 98.60 |
| 2018 | CHF 493.00 | CHF 370.10 | CHF 122.90 |
| 2019 | CHF 513.00 | CHF 386.00 | CHF 127.00 |
| 2020 | CHF 513.00 | CHF 391.70 | CHF 121.30 |
| 2021 | CHF 513.00 | CHF 391.30 | CHF 121.70 |
| 2022 | CHF 494.00 | CHF 399.10 | CHF 94.90 |
| 2023 | CHF 494.00 | CHF 417.50 | CHF 76.50 |
Faster or slower than the rest?
AMB rose +19.0 % over the period, against +34.2 % 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: +8.4 % in one go. The premium did not move in 2020, 2021, 2023.
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.