AMB — Region 2, Lucerne: twelve years of premiums
Region 2, Lucerne: the lowest AMB premium went from CHF 360.00 a month in 2015 to CHF 427.40 in 2023 — a rise of +18.7 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 360.00 | CHF 246.50 | CHF 113.50 |
| 2016 | CHF 380.00 | CHF 272.00 | CHF 108.00 |
| 2017 | CHF 405.00 | CHF 305.00 | CHF 100.00 |
| 2018 | CHF 424.00 | CHF 328.00 | CHF 96.00 |
| 2019 | CHF 444.00 | CHF 336.20 | CHF 107.80 |
| 2020 | CHF 444.00 | CHF 326.10 | CHF 117.90 |
| 2021 | CHF 444.00 | CHF 344.80 | CHF 99.20 |
| 2022 | CHF 421.30 | CHF 334.90 | CHF 86.40 |
| 2023 | CHF 427.40 | CHF 347.65 | CHF 79.75 |
Faster or slower than the rest?
AMB rose +18.7 % over the period, against +41.0 % 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: +6.6 % 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.