Avenir — Region 2, St. Gallen: twelve years of premiums
Region 2, St. Gallen: the lowest Avenir premium went from CHF 286.50 a month in 2015 to CHF 486.50 in 2026 — a rise of +69.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 286.50 | CHF 258.70 | CHF 27.80 |
| 2016 | CHF 299.20 | CHF 269.60 | CHF 29.60 |
| 2017 | CHF 320.00 | CHF 309.60 | CHF 10.40 |
| 2018 | CHF 364.10 | CHF 327.40 | CHF 36.70 |
| 2019 | CHF 374.50 | CHF 339.70 | CHF 34.80 |
| 2020 | CHF 372.80 | CHF 349.90 | CHF 22.90 |
| 2021 | CHF 383.90 | CHF 348.60 | CHF 35.30 |
| 2022 | CHF 393.10 | CHF 346.90 | CHF 46.20 |
| 2023 | CHF 420.70 | CHF 371.70 | CHF 49.00 |
| 2024 | CHF 459.30 | CHF 379.80 | CHF 79.50 |
| 2025 | CHF 464.60 | CHF 398.70 | CHF 65.90 |
| 2026 | CHF 486.50 | CHF 419.60 | CHF 66.90 |
Faster or slower than the rest?
Avenir rose +69.8 % over the period, against +62.2 % for the cheapest insurer in the same place. The gap widened: staying put cost a little more every year.
The year that hurt — The steepest year-on-year jump was 2018: +13.8 % in one go.
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.