Avenir in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest Avenir premium went from CHF 273.70 a month in 2015 to CHF 446.90 in 2026 — a rise of +63.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 273.70 | CHF 237.10 | CHF 36.60 |
| 2016 | CHF 285.60 | CHF 264.00 | CHF 21.60 |
| 2017 | CHF 306.20 | CHF 285.00 | CHF 21.20 |
| 2018 | CHF 344.10 | CHF 316.30 | CHF 27.80 |
| 2019 | CHF 352.80 | CHF 322.00 | CHF 30.80 |
| 2020 | CHF 353.10 | CHF 312.00 | CHF 41.10 |
| 2021 | CHF 369.40 | CHF 330.60 | CHF 38.80 |
| 2022 | CHF 378.40 | CHF 326.80 | CHF 51.60 |
| 2023 | CHF 398.00 | CHF 336.60 | CHF 61.40 |
| 2024 | CHF 398.00 | CHF 372.90 | CHF 25.10 |
| 2025 | CHF 439.30 | CHF 403.40 | CHF 35.90 |
| 2026 | CHF 446.90 | CHF 414.30 | CHF 32.60 |
Faster or slower than the rest?
Avenir rose +63.3 % over the period, against +74.7 % 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 2018: +12.4 % in one go. The premium did not move in 2024.
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
Avenir, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.