Mutuel in canton Appenzell Innerrhoden: twelve years of premiums
In canton Appenzell Innerrhoden, the lowest Mutuel premium went from CHF 265.20 a month in 2015 to CHF 422.20 in 2026 — a rise of +59.2 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 265.20 | CHF 236.30 | CHF 28.90 |
| 2016 | CHF 276.30 | CHF 249.50 | CHF 26.80 |
| 2017 | CHF 296.70 | CHF 272.50 | CHF 24.20 |
| 2018 | CHF 329.40 | CHF 282.40 | CHF 47.00 |
| 2019 | CHF 355.20 | CHF 280.20 | CHF 75.00 |
| 2020 | CHF 338.50 | CHF 285.90 | CHF 52.60 |
| 2021 | CHF 338.50 | CHF 272.10 | CHF 66.40 |
| 2022 | CHF 347.10 | CHF 278.10 | CHF 69.00 |
| 2023 | CHF 379.40 | CHF 310.60 | CHF 68.80 |
| 2024 | CHF 380.50 | CHF 329.60 | CHF 50.90 |
| 2025 | CHF 406.00 | CHF 345.60 | CHF 60.40 |
| 2026 | CHF 422.20 | CHF 353.50 | CHF 68.70 |
Faster or slower than the rest?
Mutuel rose +59.2 % over the period, against +49.6 % 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: +11.0 % 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.
Mutuel, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.