Luzerner Hinterland — Region 1, Zurich: twelve years of premiums
Region 1, Zurich: the lowest Luzerner Hinterland premium went from CHF 396.05 a month in 2015 to CHF 573.95 in 2026 — a rise of +44.9 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 396.05 | CHF 307.80 | CHF 88.25 |
| 2016 | CHF 413.05 | CHF 360.40 | CHF 52.65 |
| 2017 | CHF 472.25 | CHF 380.40 | CHF 91.85 |
| 2018 | CHF 481.85 | CHF 392.10 | CHF 89.75 |
| 2019 | CHF 492.40 | CHF 413.20 | CHF 79.20 |
| 2020 | CHF 492.40 | CHF 413.10 | CHF 79.30 |
| 2021 | CHF 459.50 | CHF 423.80 | CHF 35.70 |
| 2022 | CHF 431.35 | CHF 416.90 | CHF 14.45 |
| 2023 | CHF 437.80 | CHF 437.00 | CHF 0.80 |
| 2024 | CHF 494.65 | CHF 470.20 | CHF 24.45 |
| 2025 | CHF 551.85 | CHF 496.20 | CHF 55.65 |
| 2026 | CHF 573.95 | CHF 517.70 | CHF 56.25 |
Faster or slower than the rest?
Luzerner Hinterland rose +44.9 % over the period, against +68.2 % 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: +14.3 % 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.
Luzerner Hinterland, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.