Luzerner Hinterland — Region 3 of canton Zurich, 2026 premiums
Luzerner Hinterland covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 320.45 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Luzerner Hinterland ranks 16 out of 27 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 476.41 a month.
What staying costs
Moving from Luzerner Hinterland to Agrisano, the cheapest insurer in this region, saves CHF 497.40 a year for an adult on the same profile.
The full Luzerner Hinterland table
156 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 499.20 | CHF 474.25 | CHF 469.25 |
| 500 | CHF 487.55 | CHF 462.55 | CHF 457.60 |
| 1'000 | CHF 458.35 | CHF 433.40 | CHF 428.40 |
| 1'500 | CHF 429.20 | CHF 404.25 | CHF 399.25 |
| 2'000 | CHF 400.05 | CHF 375.05 | CHF 370.10 |
| 2'500 | CHF 370.85 | CHF 345.90 | CHF 340.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 375.85 | CHF 357.05 | CHF 353.30 |
| 500 | CHF 364.20 | CHF 345.40 | CHF 341.65 |
| 1'000 | CHF 335.00 | CHF 316.20 | CHF 312.45 |
| 1'500 | CHF 305.85 | CHF 287.05 | CHF 283.30 |
| 2'000 | CHF 276.70 | CHF 257.90 | CHF 254.15 |
| 2'500 | CHF 247.50 | CHF 228.70 | CHF 224.95 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 83.15 | CHF 79.00 | CHF 78.20 |
| 100 | CHF 79.20 | CHF 75.05 | CHF 74.20 |
| 200 | CHF 75.25 | CHF 71.10 | CHF 70.25 |
| 300 | CHF 71.25 | CHF 67.10 | CHF 66.30 |
| 400 | CHF 67.30 | CHF 63.15 | CHF 62.30 |
| 500 | CHF 63.35 | CHF 59.20 | CHF 58.35 |
| 600 | CHF 59.35 | CHF 55.20 | CHF 54.40 |
With or without accident cover
With accident cover: CHF 499.20 a month. Without: CHF 469.25. Dropping it saves CHF 359.40 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 451.20 in 2025 to CHF 320.45 — a rise of 4.0 %.
The 122 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Zurich, not to the municipality.
Aesch (ZH) · Aeugst am Albis · Affoltern am Albis · Altikon · Andelfingen · Bachenbülach · Bachs · Bassersdorf · Bauma · Benken (ZH) · Berg am Irchel · Birmensdorf (ZH) · Bonstetten · Boppelsen · Brütten · Bubikon · Buch am Irchel · Buchs (ZH) · Bäretswil · Bülach · Dachsen · Dielsdorf · Dinhard · Dorf · Dägerlen · Dällikon · Dänikon · Dättlikon · Dürnten · Eglisau · Elgg · Ellikon an der Thur · Elsau · Embrach · Fehraltorf · Feuerthalen · Fischenthal · Flaach · Flurlingen · Freienstein-Teufen · Geroldswil · Glattfelden · Gossau (ZH) · Grüningen · Hagenbuch · Hausen am Albis · Hedingen · Henggart · Hettlingen · Hinwil · Hittnau · Hochfelden · Höri · Hüntwangen · Hüttikon · Illnau-Effretikon · Kappel am Albis · Kleinandelfingen · Knonau · Langnau am Albis · Laufen-Uhwiesen · Lindau · Lufingen · Marthalen · Maschwanden · Mettmenstetten · Neerach · Neftenbach · Niederglatt · Niederhasli · Niederweningen · Nürensdorf · Oberembrach · Oberengstringen · Oberglatt · Oberrieden · Oberweningen · Obfelden · Oetwil an der Limmat · Ossingen · Otelfingen · Ottenbach · Pfungen · Pfäffikon · Rafz · Regensberg · Rheinau · Rickenbach (ZH) · Rifferswil · Rorbas · Russikon · Rüschlikon · Rüti (ZH) · Schlatt (ZH) · Schleinikon · Schöfflisdorf · Seegräben · Seuzach · Stadel · Stallikon · Stammheim · Steinmaur · Thalheim an der Thur · Truttikon · Trüllikon · Turbenthal · Uitikon · Unterengstringen · Volken · Wald (ZH) · Wasterkingen · Weiach · Weiningen (ZH) · Weisslingen · Wettswil am Albis · Wetzikon (ZH) · Wiesendangen · Wil (ZH) · Wila · Wildberg · Winkel · Zell (ZH)
The other insurers in Region 3
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 427.80 | View |
| SLKK | CHF 439.40 | View |
| rhenusana | CHF 447.90 | View |
| Sanitas | CHF 451.40 | View |
| Wädenswil | CHF 452.80 | View |
| ÖKK | CHF 453.10 | View |
| Assura-Basis | CHF 454.00 | View |
| CONCORDIA | CHF 461.20 | View |
| Visana | CHF 462.70 | View |
| Aquilana | CHF 463.20 | View |
| SWICA | CHF 463.40 | View |
| Helsana | CHF 464.80 | View |
| Sumiswalder | CHF 465.60 | View |
| EGK | CHF 466.50 | View |
| Atupri | CHF 469.00 | View |
| Galenos | CHF 471.70 | View |
| CSS | CHF 472.40 | View |
| KPT | CHF 476.80 | View |
| Mutuel | CHF 492.60 | View |
| Vivao Sympany | CHF 497.20 | View |
| sana24 | CHF 497.70 | View |
| Avenir | CHF 502.40 | View |
| vita surselva | CHF 525.35 | View |
| Philos | CHF 528.20 | View |
| Steffisburg | CHF 528.80 | View |
| Einsiedler | CHF 558.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums.