Vivao Sympany — Region 3, Lucerne: twelve years of premiums
Region 3, 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 this region'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 402.50 | CHF 372.90 | CHF 29.60 |
| 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.
Vivao Sympany, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.