ÖKK in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest ÖKK premium went from CHF 287.30 a month in 2015 to CHF 446.20 in 2026 — a rise of +55.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 287.30 | CHF 237.10 | CHF 50.20 |
| 2016 | CHF 306.90 | CHF 264.00 | CHF 42.90 |
| 2017 | CHF 333.20 | CHF 285.00 | CHF 48.20 |
| 2018 | CHF 346.00 | CHF 316.30 | CHF 29.70 |
| 2019 | CHF 363.00 | CHF 322.00 | CHF 41.00 |
| 2020 | CHF 367.30 | CHF 312.00 | CHF 55.30 |
| 2021 | CHF 370.70 | CHF 330.60 | CHF 40.10 |
| 2022 | CHF 360.40 | CHF 326.80 | CHF 33.60 |
| 2023 | CHF 382.70 | CHF 336.60 | CHF 46.10 |
| 2024 | CHF 420.60 | CHF 372.90 | CHF 47.70 |
| 2025 | CHF 436.10 | CHF 403.40 | CHF 32.70 |
| 2026 | CHF 446.20 | CHF 414.30 | CHF 31.90 |
Faster or slower than the rest?
ÖKK rose +55.3 % 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 2024: +9.9 % 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
ÖKK, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.