EGK in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest EGK premium went from CHF 320.60 a month in 2015 to CHF 445.80 in 2026 — a rise of +39.1 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 320.60 | CHF 237.10 | CHF 83.50 |
| 2016 | CHF 329.00 | CHF 264.00 | CHF 65.00 |
| 2017 | CHF 328.10 | CHF 285.00 | CHF 43.10 |
| 2018 | CHF 341.90 | CHF 316.30 | CHF 25.60 |
| 2019 | CHF 350.00 | CHF 322.00 | CHF 28.00 |
| 2020 | CHF 350.00 | CHF 312.00 | CHF 38.00 |
| 2021 | CHF 346.60 | CHF 330.60 | CHF 16.00 |
| 2022 | CHF 330.40 | CHF 326.80 | CHF 3.60 |
| 2023 | CHF 353.80 | CHF 336.60 | CHF 17.20 |
| 2024 | CHF 374.80 | CHF 372.90 | CHF 1.90 |
| 2025 | CHF 416.20 | CHF 403.40 | CHF 12.80 |
| 2026 | CHF 445.80 | CHF 414.30 | CHF 31.50 |
Faster or slower than the rest?
EGK rose +39.1 % 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 2025: +11.1 % in one go. The premium did not move in 2020.
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
EGK, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.