AMB — Region 1, Lucerne: twelve years of premiums
Region 1, Lucerne: the lowest AMB premium went from CHF 380.00 a month in 2015 to CHF 459.50 in 2023 — a rise of +20.9 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 380.00 | CHF 266.20 | CHF 113.80 |
| 2016 | CHF 400.00 | CHF 288.00 | CHF 112.00 |
| 2017 | CHF 425.00 | CHF 317.90 | CHF 107.10 |
| 2018 | CHF 445.00 | CHF 350.40 | CHF 94.60 |
| 2019 | CHF 465.00 | CHF 361.20 | CHF 103.80 |
| 2020 | CHF 465.00 | CHF 354.40 | CHF 110.60 |
| 2021 | CHF 465.00 | CHF 361.50 | CHF 103.50 |
| 2022 | CHF 453.00 | CHF 358.50 | CHF 94.50 |
| 2023 | CHF 459.50 | CHF 369.25 | CHF 90.25 |
Faster or slower than the rest?
AMB rose +20.9 % over the period, against +38.7 % 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: +6.3 % 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.