AMB in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest AMB premium went from CHF 340.00 a month in 2015 to CHF 409.00 in 2023 — a rise of +20.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 340.00 | CHF 237.10 | CHF 102.90 |
| 2016 | CHF 360.00 | CHF 264.00 | CHF 96.00 |
| 2017 | CHF 385.00 | CHF 285.00 | CHF 100.00 |
| 2018 | CHF 403.00 | CHF 316.30 | CHF 86.70 |
| 2019 | CHF 423.00 | CHF 322.00 | CHF 101.00 |
| 2020 | CHF 423.00 | CHF 312.00 | CHF 111.00 |
| 2021 | CHF 423.00 | CHF 330.60 | CHF 92.40 |
| 2022 | CHF 403.20 | CHF 326.80 | CHF 76.40 |
| 2023 | CHF 409.00 | CHF 336.60 | CHF 72.40 |
Faster or slower than the rest?
AMB rose +20.3 % over the period, against +42.0 % 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: +6.9 % 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.
Lucerne, canton by canton
AMB, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.