Vivao Sympany — Region 1, Lucerne: twelve years of premiums
Region 1, Lucerne: the lowest Vivao Sympany premium went from CHF 357.00 a month in 2015 to CHF 465.50 in 2026 — a rise of +30.4 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 357.00 | CHF 266.20 | CHF 90.80 |
| 2016 | CHF 371.50 | CHF 288.00 | CHF 83.50 |
| 2017 | CHF 397.80 | CHF 317.90 | CHF 79.90 |
| 2018 | CHF 414.00 | CHF 350.40 | CHF 63.60 |
| 2019 | CHF 414.00 | CHF 361.20 | CHF 52.80 |
| 2020 | CHF 418.20 | CHF 354.40 | CHF 63.80 |
| 2021 | CHF 437.80 | CHF 361.50 | CHF 76.30 |
| 2022 | CHF 425.00 | CHF 358.50 | CHF 66.50 |
| 2023 | CHF 427.60 | CHF 369.25 | CHF 58.35 |
| 2024 | CHF 423.30 | CHF 410.95 | CHF 12.35 |
| 2025 | CHF 428.40 | CHF 428.40 | — |
| 2026 | CHF 465.50 | CHF 451.60 | CHF 13.90 |
Faster or slower than the rest?
Vivao Sympany rose +30.4 % over the period, against +69.7 % 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: +8.7 % 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.
Vivao Sympany, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.