Twelve years of increases, insurer by insurer

A comparison nobody can make

The FOPH publishes a premium file every autumn and replaces the previous one. To compare an insurer with itself over twelve years you need to have kept all twelve files and aligned them on the FOPH numbers — which change when insurers merge. We kept them.

The ranking uses each insurer's lowest premium in Switzerland, adult with a CHF 300 deductible, accident included: the only profile defined identically across all twelve years. Young-adult deductibles changed along the way and cannot be compared.

What the ranking does not say

An insurer that raised little is not necessarily cheap: sometimes it started high. And a steep rise is sometimes catching up after years of prices too low to hold. The percentage measures a trajectory, not a level.

That is why each insurer has its own history page, with the market for the same place beside its curve. Read alone, an increase says nothing; read against the market, it says who held their prices when the others did not.

The figures

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