sana24 — Region 2, Lucerne: twelve years of premiums
Region 2, Lucerne: the lowest sana24 premium went from CHF 311.70 a month in 2015 to CHF 445.10 in 2026 — a rise of +42.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 311.70 | CHF 246.50 | CHF 65.20 |
| 2016 | CHF 336.60 | CHF 272.00 | CHF 64.60 |
| 2017 | CHF 346.90 | CHF 305.00 | CHF 41.90 |
| 2018 | CHF 351.50 | CHF 328.00 | CHF 23.50 |
| 2019 | CHF 373.50 | CHF 336.20 | CHF 37.30 |
| 2020 | CHF 377.70 | CHF 326.10 | CHF 51.60 |
| 2021 | CHF 377.70 | CHF 344.80 | CHF 32.90 |
| 2022 | CHF 372.80 | CHF 334.90 | CHF 37.90 |
| 2023 | CHF 384.40 | CHF 347.65 | CHF 36.75 |
| 2024 | CHF 433.80 | CHF 386.85 | CHF 46.95 |
| 2025 | CHF 461.20 | CHF 410.50 | CHF 50.70 |
| 2026 | CHF 445.10 | CHF 425.70 | CHF 19.40 |
Faster or slower than the rest?
sana24 rose +42.8 % 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: +12.9 % in one go. The premium did not move in 2021.
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.
sana24, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.