SWICA in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest SWICA premium went from CHF 305.00 a month in 2015 to CHF 437.40 in 2026 — a rise of +43.4 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 305.00 | CHF 237.10 | CHF 67.90 |
| 2016 | CHF 313.00 | CHF 264.00 | CHF 49.00 |
| 2017 | CHF 316.70 | CHF 285.00 | CHF 31.70 |
| 2018 | CHF 340.00 | CHF 316.30 | CHF 23.70 |
| 2019 | CHF 345.50 | CHF 322.00 | CHF 23.50 |
| 2020 | CHF 345.50 | CHF 312.00 | CHF 33.50 |
| 2021 | CHF 353.90 | CHF 330.60 | CHF 23.30 |
| 2022 | CHF 352.50 | CHF 326.80 | CHF 25.70 |
| 2023 | CHF 397.20 | CHF 336.60 | CHF 60.60 |
| 2024 | CHF 412.70 | CHF 372.90 | CHF 39.80 |
| 2025 | CHF 429.40 | CHF 403.40 | CHF 26.00 |
| 2026 | CHF 437.40 | CHF 414.30 | CHF 23.10 |
Faster or slower than the rest?
SWICA rose +43.4 % 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 2023: +12.7 % in one go. The premium did not move in 2020.
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
SWICA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.