Helsana in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest Helsana premium went from CHF 309.60 a month in 2015 to CHF 450.20 in 2026 — a rise of +45.4 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 309.60 | CHF 237.10 | CHF 72.50 |
| 2016 | CHF 345.20 | CHF 264.00 | CHF 81.20 |
| 2017 | CHF 350.20 | CHF 285.00 | CHF 65.20 |
| 2018 | CHF 350.20 | CHF 316.30 | CHF 33.90 |
| 2019 | CHF 355.20 | CHF 322.00 | CHF 33.20 |
| 2020 | CHF 322.80 | CHF 312.00 | CHF 10.80 |
| 2021 | CHF 342.70 | CHF 330.60 | CHF 12.10 |
| 2022 | CHF 367.90 | CHF 326.80 | CHF 41.10 |
| 2023 | CHF 403.20 | CHF 336.60 | CHF 66.60 |
| 2024 | CHF 412.40 | CHF 372.90 | CHF 39.50 |
| 2025 | CHF 429.90 | CHF 403.40 | CHF 26.50 |
| 2026 | CHF 450.20 | CHF 414.30 | CHF 35.90 |
Faster or slower than the rest?
Helsana rose +45.4 % 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 2016: +11.5 % in one go. The premium did not move in 2018.
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
Helsana, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.