KPT in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest KPT premium went from CHF 282.50 a month in 2015 to CHF 430.10 in 2026 — a rise of +52.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 282.50 | CHF 237.10 | CHF 45.40 |
| 2016 | CHF 298.00 | CHF 264.00 | CHF 34.00 |
| 2017 | CHF 334.70 | CHF 285.00 | CHF 49.70 |
| 2018 | CHF 328.90 | CHF 316.30 | CHF 12.60 |
| 2019 | CHF 340.90 | CHF 322.00 | CHF 18.90 |
| 2020 | CHF 353.70 | CHF 312.00 | CHF 41.70 |
| 2021 | CHF 353.70 | CHF 330.60 | CHF 23.10 |
| 2022 | CHF 345.50 | CHF 326.80 | CHF 18.70 |
| 2023 | CHF 348.80 | CHF 336.60 | CHF 12.20 |
| 2024 | CHF 383.70 | CHF 372.90 | CHF 10.80 |
| 2025 | CHF 412.70 | CHF 403.40 | CHF 9.30 |
| 2026 | CHF 430.10 | CHF 414.30 | CHF 15.80 |
Faster or slower than the rest?
KPT rose +52.3 % 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 2017: +12.3 % in one go. The premium did not move in 2021.
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
KPT, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.