Mutuel — Region 1, Lucerne: twelve years of premiums
Region 1, Lucerne: the lowest Mutuel premium went from CHF 317.10 a month in 2015 to CHF 560.60 in 2026 — a rise of +76.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 317.10 | CHF 266.20 | CHF 50.90 |
| 2016 | CHF 329.80 | CHF 288.00 | CHF 41.80 |
| 2017 | CHF 352.60 | CHF 317.90 | CHF 34.70 |
| 2018 | CHF 386.00 | CHF 350.40 | CHF 35.60 |
| 2019 | CHF 390.40 | CHF 361.20 | CHF 29.20 |
| 2020 | CHF 373.80 | CHF 354.40 | CHF 19.40 |
| 2021 | CHF 399.60 | CHF 361.50 | CHF 38.10 |
| 2022 | CHF 409.90 | CHF 358.50 | CHF 51.40 |
| 2023 | CHF 452.10 | CHF 369.25 | CHF 82.85 |
| 2024 | CHF 471.60 | CHF 410.95 | CHF 60.65 |
| 2025 | CHF 519.00 | CHF 428.40 | CHF 90.60 |
| 2026 | CHF 560.60 | CHF 451.60 | CHF 109.00 |
Faster or slower than the rest?
Mutuel rose +76.8 % over the period, against +69.7 % 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: +10.3 % 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.
Mutuel, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.