CONCORDIA — Region 2, Lucerne: twelve years of premiums
Region 2, Lucerne: the lowest CONCORDIA premium went from CHF 310.50 a month in 2015 to CHF 447.40 in 2026 — a rise of +44.1 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 310.50 | CHF 246.50 | CHF 64.00 |
| 2016 | CHF 326.70 | CHF 272.00 | CHF 54.70 |
| 2017 | CHF 338.40 | CHF 305.00 | CHF 33.40 |
| 2018 | CHF 350.20 | CHF 328.00 | CHF 22.20 |
| 2019 | CHF 356.90 | CHF 336.20 | CHF 20.70 |
| 2020 | CHF 355.60 | CHF 326.10 | CHF 29.50 |
| 2021 | CHF 362.00 | CHF 344.80 | CHF 17.20 |
| 2022 | CHF 361.30 | CHF 334.90 | CHF 26.40 |
| 2023 | CHF 374.80 | CHF 347.65 | CHF 27.15 |
| 2024 | CHF 397.30 | CHF 386.85 | CHF 10.45 |
| 2025 | CHF 417.10 | CHF 410.50 | CHF 6.60 |
| 2026 | CHF 447.40 | CHF 425.70 | CHF 21.70 |
Faster or slower than the rest?
CONCORDIA rose +44.1 % over the period, against +72.7 % 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 2026: +7.3 % in one go.
The choice has changed too
In 2015, 45 insurers sold basic cover here. In 2026 there are 25: 20 have gone or merged. Comparing is still possible — on fewer rows. See the insurers that have gone
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.
CONCORDIA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.