Sanitas in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest Sanitas premium went from CHF 291.90 a month in 2015 to CHF 429.50 in 2026 — a rise of +47.1 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 291.90 | CHF 237.10 | CHF 54.80 |
| 2016 | CHF 318.00 | CHF 264.00 | CHF 54.00 |
| 2017 | CHF 343.00 | CHF 285.00 | CHF 58.00 |
| 2018 | CHF 349.90 | CHF 316.30 | CHF 33.60 |
| 2019 | CHF 365.30 | CHF 322.00 | CHF 43.30 |
| 2020 | CHF 351.10 | CHF 312.00 | CHF 39.10 |
| 2021 | CHF 351.10 | CHF 330.60 | CHF 20.50 |
| 2022 | CHF 345.30 | CHF 326.80 | CHF 18.50 |
| 2023 | CHF 368.50 | CHF 336.60 | CHF 31.90 |
| 2024 | CHF 391.60 | CHF 372.90 | CHF 18.70 |
| 2025 | CHF 409.80 | CHF 403.40 | CHF 6.40 |
| 2026 | CHF 429.50 | CHF 414.30 | CHF 15.20 |
Faster or slower than the rest?
Sanitas rose +47.1 % 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 2016: +8.9 % 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.
Lucerne, canton by canton
Sanitas, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.