ÖKK — Region 2, Lucerne: twelve years of premiums
Region 2, Lucerne: the lowest ÖKK premium went from CHF 292.40 a month in 2015 to CHF 458.50 in 2026 — a rise of +56.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 292.40 | CHF 246.50 | CHF 45.90 |
| 2016 | CHF 312.80 | CHF 272.00 | CHF 40.80 |
| 2017 | CHF 335.80 | CHF 305.00 | CHF 30.80 |
| 2018 | CHF 348.50 | CHF 328.00 | CHF 20.50 |
| 2019 | CHF 366.40 | CHF 336.20 | CHF 30.20 |
| 2020 | CHF 370.70 | CHF 326.10 | CHF 44.60 |
| 2021 | CHF 374.10 | CHF 344.80 | CHF 29.30 |
| 2022 | CHF 365.50 | CHF 334.90 | CHF 30.60 |
| 2023 | CHF 394.80 | CHF 347.65 | CHF 47.15 |
| 2024 | CHF 432.60 | CHF 386.85 | CHF 45.75 |
| 2025 | CHF 448.10 | CHF 410.50 | CHF 37.60 |
| 2026 | CHF 458.50 | CHF 425.70 | CHF 32.80 |
Faster or slower than the rest?
ÖKK rose +56.8 % over the period, against +72.7 % 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: +9.6 % 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.
ÖKK, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.