Luzerner Hinterland in canton Zurich: twelve years of premiums
In canton Zurich, the lowest Luzerner Hinterland premium went from CHF 316.50 a month in 2015 to CHF 469.25 in 2026 — a rise of +48.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 316.50 | CHF 240.00 | CHF 76.50 |
| 2016 | CHF 330.65 | CHF 250.00 | CHF 80.65 |
| 2017 | CHF 387.50 | CHF 255.00 | CHF 132.50 |
| 2018 | CHF 396.70 | CHF 260.00 | CHF 136.70 |
| 2019 | CHF 405.45 | CHF 346.00 | CHF 59.45 |
| 2020 | CHF 405.45 | CHF 343.30 | CHF 62.15 |
| 2021 | CHF 376.45 | CHF 347.20 | CHF 29.25 |
| 2022 | CHF 353.30 | CHF 343.90 | CHF 9.40 |
| 2023 | CHF 358.60 | CHF 358.60 | — |
| 2024 | CHF 404.45 | CHF 379.90 | CHF 24.55 |
| 2025 | CHF 451.20 | CHF 398.80 | CHF 52.40 |
| 2026 | CHF 469.25 | CHF 427.80 | CHF 41.45 |
Faster or slower than the rest?
Luzerner Hinterland rose +48.3 % over the period, against +78.3 % 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 2017: +17.2 % in one go. The premium did not move in 2020.
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.
Zurich, canton by canton
Luzerner Hinterland, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.