Avenir — Region 1, Lucerne: twelve years of premiums
Region 1, Lucerne: the lowest Avenir premium went from CHF 299.20 a month in 2015 to CHF 475.40 in 2026 — a rise of +58.9 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 299.20 | CHF 266.20 | CHF 33.00 |
| 2016 | CHF 311.10 | CHF 288.00 | CHF 23.10 |
| 2017 | CHF 332.00 | CHF 317.90 | CHF 14.10 |
| 2018 | CHF 370.10 | CHF 350.40 | CHF 19.70 |
| 2019 | CHF 378.80 | CHF 361.20 | CHF 17.60 |
| 2020 | CHF 379.60 | CHF 354.40 | CHF 25.20 |
| 2021 | CHF 397.20 | CHF 361.50 | CHF 35.70 |
| 2022 | CHF 406.90 | CHF 358.50 | CHF 48.40 |
| 2023 | CHF 423.40 | CHF 369.25 | CHF 54.15 |
| 2024 | CHF 423.40 | CHF 410.95 | CHF 12.45 |
| 2025 | CHF 467.30 | CHF 428.40 | CHF 38.90 |
| 2026 | CHF 475.40 | CHF 451.60 | CHF 23.80 |
Faster or slower than the rest?
Avenir rose +58.9 % over the period, against +69.7 % 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: +11.5 % 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.
Avenir, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.