Mutuel — Region 2, Lucerne: twelve years of premiums
Region 2, Lucerne: the lowest Mutuel premium went from CHF 303.50 a month in 2015 to CHF 526.90 in 2026 — a rise of +73.6 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 303.50 | CHF 246.50 | CHF 57.00 |
| 2016 | CHF 316.20 | CHF 272.00 | CHF 44.20 |
| 2017 | CHF 338.90 | CHF 305.00 | CHF 33.90 |
| 2018 | CHF 371.20 | CHF 328.00 | CHF 43.20 |
| 2019 | CHF 375.50 | CHF 336.20 | CHF 39.30 |
| 2020 | CHF 351.40 | CHF 326.10 | CHF 25.30 |
| 2021 | CHF 375.60 | CHF 344.80 | CHF 30.80 |
| 2022 | CHF 381.20 | CHF 334.90 | CHF 46.30 |
| 2023 | CHF 425.00 | CHF 347.65 | CHF 77.35 |
| 2024 | CHF 443.30 | CHF 386.85 | CHF 56.45 |
| 2025 | CHF 487.90 | CHF 410.50 | CHF 77.40 |
| 2026 | CHF 526.90 | CHF 425.70 | CHF 101.20 |
Faster or slower than the rest?
Mutuel rose +73.6 % over the period, against +72.7 % 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.
Mutuel, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.