Vivao Sympany in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest Vivao Sympany premium went from CHF 326.40 a month in 2015 to CHF 431.20 in 2026 — a rise of +32.1 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 326.40 | CHF 237.10 | CHF 89.30 |
| 2016 | CHF 334.90 | CHF 264.00 | CHF 70.90 |
| 2017 | CHF 353.60 | CHF 285.00 | CHF 68.60 |
| 2018 | CHF 361.30 | CHF 316.30 | CHF 45.00 |
| 2019 | CHF 361.30 | CHF 322.00 | CHF 39.30 |
| 2020 | CHF 364.70 | CHF 312.00 | CHF 52.70 |
| 2021 | CHF 381.70 | CHF 330.60 | CHF 51.10 |
| 2022 | CHF 378.30 | CHF 326.80 | CHF 51.50 |
| 2023 | CHF 380.80 | CHF 336.60 | CHF 44.20 |
| 2024 | CHF 400.80 | CHF 372.90 | CHF 27.90 |
| 2025 | CHF 403.40 | CHF 403.40 | — |
| 2026 | CHF 431.20 | CHF 414.30 | CHF 16.90 |
Faster or slower than the rest?
Vivao Sympany rose +32.1 % 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 2026: +6.9 % in one go. The premium did not move in 2019.
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
Vivao Sympany, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.