Mutuel in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest Mutuel premium went from CHF 295.00 a month in 2015 to CHF 521.30 in 2026 — a rise of +76.7 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 295.00 | CHF 237.10 | CHF 57.90 |
| 2016 | CHF 307.70 | CHF 264.00 | CHF 43.70 |
| 2017 | CHF 330.30 | CHF 285.00 | CHF 45.30 |
| 2018 | CHF 361.60 | CHF 316.30 | CHF 45.30 |
| 2019 | CHF 365.80 | CHF 322.00 | CHF 43.80 |
| 2020 | CHF 347.60 | CHF 312.00 | CHF 35.60 |
| 2021 | CHF 371.60 | CHF 330.60 | CHF 41.00 |
| 2022 | CHF 377.10 | CHF 326.80 | CHF 50.30 |
| 2023 | CHF 420.50 | CHF 336.60 | CHF 83.90 |
| 2024 | CHF 438.60 | CHF 372.90 | CHF 65.70 |
| 2025 | CHF 482.70 | CHF 403.40 | CHF 79.30 |
| 2026 | CHF 521.30 | CHF 414.30 | CHF 107.00 |
Faster or slower than the rest?
Mutuel rose +76.7 % over the period, against +74.7 % 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 2023: +11.5 % in one go.
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
Mutuel, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.