Luzerner Hinterland — Region 2, Zurich: twelve years of premiums
Region 2, Zurich: the lowest Luzerner Hinterland premium went from CHF 345.95 a month in 2015 to CHF 509.80 in 2026 — a rise of +47.4 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 345.95 | CHF 278.90 | CHF 67.05 |
| 2016 | CHF 362.05 | CHF 328.90 | CHF 33.15 |
| 2017 | CHF 420.00 | CHF 339.50 | CHF 80.50 |
| 2018 | CHF 429.10 | CHF 365.80 | CHF 63.30 |
| 2019 | CHF 439.10 | CHF 374.00 | CHF 65.10 |
| 2020 | CHF 439.10 | CHF 374.00 | CHF 65.10 |
| 2021 | CHF 408.90 | CHF 377.20 | CHF 31.70 |
| 2022 | CHF 383.85 | CHF 373.50 | CHF 10.35 |
| 2023 | CHF 389.60 | CHF 389.60 | — |
| 2024 | CHF 439.40 | CHF 415.60 | CHF 23.80 |
| 2025 | CHF 490.20 | CHF 436.30 | CHF 53.90 |
| 2026 | CHF 509.80 | CHF 467.90 | CHF 41.90 |
Faster or slower than the rest?
Luzerner Hinterland rose +47.4 % over the period, against +67.8 % 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: +16.0 % 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.