feat: insurance section — overview, documents, analysis, KVG premium comparison

- Insurance overview page (/insurance): current policies table with type, provider, premium, franchise, coverage, and document links - Documents page: upload and manage insurance documents - Analysis page: coverage gap analysis per insurance type - Priminfo integration (/insurance/priminfo): KVG premium comparison by insurer, model (TAR/HMO/etc.), franchise level, and accident coverage via embedded Priminfo iframe (no public API available) - Backend: Insurance, PraemienEntry, PraemienPolice models with migrations - Sidebar: insurance nav group with flyout and dropdown - i18n: all keys in DE/EN/FR/IT
2026-05-25 22:46:31 +02:00
26 changed files with 2456 additions and 44 deletions
@@ -7,7 +7,7 @@ from rest_framework.routers import DefaultRouter
 from rest_framework_simplejwt.views import TokenRefreshView
 from finance.views import (
    AccountViewSet, TransactionViewSet, BudgetViewSet,
-    ExpenseViewSet, DeadlineViewSet, ProfileView, RegisterView, LogoutView, ChangePasswordView,
+    ExpenseViewSet, DeadlineViewSet, InsuranceViewSet, PraemienView, PraemienVergleichView, ProfileView, RegisterView, LogoutView, ChangePasswordView,
    ICalUrlView, ICalFeedView, NotificationsView, SearchView,
    LoginView, TwoFactorLoginView, TwoFactorSetupView, TwoFactorEnableView, TwoFactorDisableView,
    TwoFactorRecoverRequestView, TwoFactorRecoverConfirmView,
@@ -22,6 +22,7 @@ router.register(r'transactions', TransactionViewSet, basename='transaction')
 router.register(r'budgets', BudgetViewSet, basename='budget')
 router.register(r'expenses', ExpenseViewSet, basename='expense')
 router.register(r'deadlines', DeadlineViewSet, basename='deadline')
+router.register(r'insurances', InsuranceViewSet, basename='insurance')

 _admin_url = os.environ.get('ADMIN_URL', 'manage/').strip('/')+ '/'

@@ -50,6 +51,8 @@ urlpatterns = [
    path('api/notifications/prefs/', NotificationPrefsView.as_view()),
    path('api/search/', SearchView.as_view()),
    path('api/notifications/', NotificationsView.as_view()),
+    path('api/praemien/', PraemienView.as_view()),
+    path('api/praemien/vergleich/', PraemienVergleichView.as_view()),
    path('api/calendar/ical-url/', ICalUrlView.as_view()),
    path('api/calendar/ical/<int:user_id>/<str:token>/', ICalFeedView.as_view()),
 ] + static(settings.MEDIA_URL, document_root=settings.MEDIA_ROOT)
@@ -0,0 +1,309 @@
+"""
+Management command: import_praemien
+
+Imports Swiss KVG premium data from two BAG sources:
+
+1. praemienregionen_{year}.xlsx  (Priminfo)
+   PLZ → BFS-Nr, Gemeinde, Kanton, Prämienregion (0-3) + Ø-Monatsrämien
+   → PraemienEntry model
+
+2. Prämien_CH.csv  (opendata.bagnet.ch / opendata.swiss)
+   Full per-insurer, per-model, per-franchise granular premiums
+   → PraemienPolice model
+
+Usage:
+  python manage.py import_praemien                   # import both, latest year
+  python manage.py import_praemien --year 2025
+  python manage.py import_praemien --skip-policen    # only PLZ/region data
+  python manage.py import_praemien --skip-regionen   # only granular policen data
+"""
+
+import csv
+import io
+import urllib.request
+import zipfile
+import xml.etree.ElementTree as ET
+from decimal import Decimal, InvalidOperation
+
+from django.core.management.base import BaseCommand, CommandError
+from finance.models import PraemienEntry, PraemienPolice
+
+
+NS = {'x': 'http://schemas.openxmlformats.org/spreadsheetml/2006/main'}
+
+REGIONEN_URL = 'https://www.priminfo.admin.ch/downloads/praemienregionen_{year}.xlsx'
+POLICEN_URL = 'https://opendata.bagnet.ch/?r=/download&path=L1ByYWVtaWVuL1Byw6RtaWVuX0NILmNzdg%3D%3D'
+
+LATEST_YEAR = 2025  # praemienregionen: update each September when BAG publishes new file
+POLICEN_YEAR = 2026  # Prämien_CH.csv always contains the upcoming business year
+
+
+# BAG insurer ID → display name (stable, regulated by BAG)
+INSURER_NAMES: dict[int, str] = {
+    8:    'Helsana AG',
+    32:   'KPT/CPT',
+    134:  'CSS Versicherung AG',
+    194:  'Concordia',
+    246:  'Groupe Mutuel',
+    290:  'Sanitas Krankenversicherung',
+    312:  'SWICA Krankenversicherung',
+    343:  'Visana AG',
+    360:  'Atupri Krankenkasse',
+    376:  'Kolping Krankenkasse',
+    455:  'EGK-Gesundheitskasse',
+    509:  'Galenos AG',
+    780:  'Luzerner Hinterland Krankenkasse (LHK)',
+    820:  'Krankenkasse Steffisburg',
+    881:  'sodalis gesundheitsgruppe',
+    923:  'Vivao Sympany AG',
+    941:  'Birchmeier Krankenkasse',
+    966:  'Krankenkasse Wädenswil',
+    1040: 'ÖKK',
+    1113: 'Agrisano Krankenkasse',
+    1318: 'Mutuel Assurance',
+    1322: 'Provita Gesundheitsversicherung AG',
+    1384: 'Sanagate AG',
+    1386: 'Aquilana Versicherungen',
+    1401: 'Easy Sana Assurance Maladie SA',
+    1479: 'Caisse-maladie Philos',
+    1507: 'Scheidegg Krankenkasse',
+    1509: 'Sana24 AG',
+    1535: 'rhenusana',
+    1542: 'Caisse-maladie de la Vallée SA',
+    1555: 'KLuG Krankenkasse',
+    1560: 'Krankenkasse Institut Ingenbohl',
+    1562: 'Sumiswalder Krankenkasse',
+    1568: 'avanto health AG',
+}
+
+# Franchise code → CHF value
+FRANCHISE_CHF: dict[str, int] = {
+    'FRA-0':    0,
+    'FRA-100':  100,
+    'FRA-200':  200,
+    'FRA-300':  300,
+    'FRA-400':  400,
+    'FRA-500':  500,
+    'FRA-600':  600,
+    'FRA-1000': 1000,
+    'FRA-1500': 1500,
+    'FRA-2000': 2000,
+    'FRA-2500': 2500,
+}
+
+
+# ─────────────────────────────────────────────────────────
+# XLSX helpers (for praemienregionen)
+# ─────────────────────────────────────────────────────────
+
+def _cell_value(cell):
+    is_el = cell.find('x:is/x:t', NS)
+    if is_el is not None:
+        return (is_el.text or '').strip().replace('\n', ' ')
+    v_el = cell.find('x:v', NS)
+    if v_el is not None and v_el.text:
+        return v_el.text.strip()
+    return None
+
+
+def _parse_rows(ws):
+    for row in ws.findall('.//x:row', NS):
+        yield [_cell_value(c) for c in row.findall('x:c', NS)]
+
+
+def _parse_regionen_xlsx(data: bytes, year: int) -> list[dict]:
+    zf = zipfile.ZipFile(io.BytesIO(data))
+
+    rels_xml = ET.fromstring(zf.read('xl/_rels/workbook.xml.rels'))
+    wb_xml = ET.fromstring(zf.read('xl/workbook.xml'))
+    wb_ns = {'x': 'http://schemas.openxmlformats.org/spreadsheetml/2006/main'}
+
+    rid_to_path = {
+        r.get('Id'): r.get('Target').lstrip('/')
+        for r in rels_xml if 'worksheet' in r.get('Type', '')
+    }
+    rid_to_name = {
+        s.get('{http://schemas.openxmlformats.org/officeDocument/2006/relationships}id'): s.get('name')
+        for s in wb_xml.findall('.//x:sheet', wb_ns)
+    }
+    name_to_path = {rid_to_name[rid]: path for rid, path in rid_to_path.items() if rid in rid_to_name}
+
+    # D_PRIM: BFS-Nr → avg premiums
+    ws_dprim = ET.fromstring(zf.read(name_to_path['D_PRIM']))
+    premiums = {}
+    header_found = False
+    for row_vals in _parse_rows(ws_dprim):
+        if not header_found:
+            flat = ' '.join(str(v) for v in row_vals if v)
+            if 'BFS-Nr' in flat or 'No OFS' in flat:
+                header_found = True
+            continue
+        if not row_vals or not row_vals[0]:
+            continue
+        try:
+            bfs_nr = int(row_vals[0])
+            region = int(row_vals[3]) if row_vals[3] is not None else 0
+            avg_child = Decimal(str(row_vals[4]).replace("'", '')) if row_vals[4] else Decimal('0')
+            avg_young = Decimal(str(row_vals[5]).replace("'", '')) if row_vals[5] else Decimal('0')
+            avg_adult = Decimal(str(row_vals[6]).replace("'", '')) if row_vals[6] else Decimal('0')
+            premiums[bfs_nr] = (region, avg_child, avg_young, avg_adult)
+        except (ValueError, InvalidOperation, IndexError):
+            continue
+
+    # B_NPA: PLZ → BFS-Nr (PLZ at index 1, flag column at index 0)
+    ws_bnpa = ET.fromstring(zf.read(name_to_path['B_NPA']))
+    entries = []
+    header_found = False
+    for row_vals in _parse_rows(ws_bnpa):
+        if not header_found:
+            flat = ' '.join(str(v) for v in row_vals if v)
+            if 'PLZ' in flat and 'BFS' in flat:
+                header_found = True
+            continue
+        if len(row_vals) < 6:
+            continue
+        plz_raw = str(row_vals[1] or '').replace("'", '').strip()
+        if not plz_raw.isdigit():
+            continue
+        try:
+            plz = plz_raw.zfill(4)
+            ort = str(row_vals[2] or '').replace("'", '').strip()
+            kanton = str(row_vals[3] or '').replace("'", '').strip()
+            bfs_nr_raw = row_vals[5]
+            if bfs_nr_raw is None:
+                continue
+            bfs_nr = int(str(bfs_nr_raw).replace("'", '').strip())
+            gemeinde = str(row_vals[6] or '').replace("'", '').strip() if len(row_vals) > 6 else ''
+            bezirk = str(row_vals[7] or '').replace("'", '').strip() if len(row_vals) > 7 else ''
+            if bfs_nr not in premiums:
+                continue
+            region, avg_child, avg_young, avg_adult = premiums[bfs_nr]
+            entries.append({
+                'plz': plz, 'ort': ort, 'kanton': kanton, 'region': region,
+                'bfs_nr': bfs_nr, 'gemeinde': gemeinde, 'bezirk': bezirk,
+                'avg_adult': avg_adult, 'avg_young_adult': avg_young,
+                'avg_child': avg_child, 'data_year': year,
+            })
+        except (ValueError, InvalidOperation, IndexError):
+            continue
+
+    return entries
+
+
+# ─────────────────────────────────────────────────────────
+# CSV helpers (for Prämien_CH.csv)
+# ─────────────────────────────────────────────────────────
+
+def _parse_policen_csv(data: bytes, data_year: int) -> list[dict]:
+    """Parse Prämien_CH.csv → list of PraemienPolice dicts."""
+    text = data.decode('utf-8-sig')
+    reader = csv.DictReader(io.StringIO(text))
+    entries = []
+    for row in reader:
+        try:
+            versicherer_id = int(row['Versicherer'])
+            kanton = row['Kanton'].strip()
+            if kanton not in ('AG','AI','AR','BE','BL','BS','FR','GE','GL','GR',
+                              'JU','LU','NE','NW','OW','SG','SH','SO','SZ','TG',
+                              'TI','UR','VD','VS','ZG','ZH'):
+                continue  # skip EU/EFTA rows
+            region_code = row['Region'].strip()  # PR-REG CH0 … CH3
+            try:
+                region = int(region_code.split('CH')[1])
+            except (IndexError, ValueError):
+                continue
+            altersklasse = row['Altersklasse'].strip()
+            unfalleinschluss = row['Unfalleinschluss'].strip()
+            tariftyp = row['Tariftyp'].strip()
+            tarifbezeichnung = row['Tarifbezeichnung'].strip()
+            franchisestufe = row['Franchisestufe'].strip()
+            franchise_code = row['Franchise'].strip()
+            franchise_chf = FRANCHISE_CHF.get(franchise_code, 0)
+            praemie = Decimal(row['Prämie'].strip())
+            entries.append({
+                'versicherer_id': versicherer_id,
+                'kanton': kanton,
+                'region': region,
+                'altersklasse': altersklasse,
+                'unfalleinschluss': unfalleinschluss,
+                'tariftyp': tariftyp,
+                'tarifbezeichnung': tarifbezeichnung,
+                'franchisestufe': franchisestufe,
+                'franchise_chf': franchise_chf,
+                'praemie': praemie,
+                'data_year': data_year,
+            })
+        except (ValueError, InvalidOperation, KeyError):
+            continue
+    return entries
+
+
+class Command(BaseCommand):
+    help = 'Import Swiss KVG premium data from BAG/Priminfo (PLZ regions + granular policen)'
+
+    def add_arguments(self, parser):
+        parser.add_argument('--year', type=int, default=LATEST_YEAR,
+                            help='Year for praemienregionen XLSX (default: %(default)s)')
+        parser.add_argument('--policen-year', type=int, default=POLICEN_YEAR,
+                            help='Business year in Prämien_CH.csv (default: %(default)s)')
+        parser.add_argument('--skip-regionen', action='store_true',
+                            help='Skip PLZ/region import (praemienregionen XLSX)')
+        parser.add_argument('--skip-policen', action='store_true',
+                            help='Skip granular policen import (Prämien_CH.csv)')
+
+    def handle(self, *args, **options):
+        year = options['year']
+        policen_year = options['policen_year']
+
+        # ── 1. PLZ / Prämienregionen ──────────────────────────────────────
+        if not options['skip_regionen']:
+            url = REGIONEN_URL.format(year=year)
+            self.stdout.write(f'[1/2] Downloading praemienregionen {year}: {url}')
+            try:
+                with urllib.request.urlopen(url, timeout=30) as resp:
+                    data = resp.read()
+            except Exception as e:
+                raise CommandError(f'Download failed: {e}')
+
+            self.stdout.write(f'      Parsing XLSX ({len(data):,} bytes)…')
+            entries = _parse_regionen_xlsx(data, year)
+            self.stdout.write(f'      Parsed {len(entries):,} PLZ entries.')
+            if not entries:
+                raise CommandError('No PLZ data parsed — check XLSX structure.')
+
+            deleted, _ = PraemienEntry.objects.filter(data_year=year).delete()
+            self.stdout.write(f'      Cleared {deleted} old entries.')
+
+            objs = [PraemienEntry(**e) for e in entries]
+            for i in range(0, len(objs), 1000):
+                PraemienEntry.objects.bulk_create(objs[i:i+1000], ignore_conflicts=True)
+            self.stdout.write(self.style.SUCCESS(f'      ✓ {len(objs):,} PLZ entries imported.'))
+
+        # ── 2. Granular Prämien_CH.csv ────────────────────────────────────
+        if not options['skip_policen']:
+            self.stdout.write(f'[2/2] Downloading Prämien_CH.csv (business year {policen_year})…')
+            try:
+                with urllib.request.urlopen(POLICEN_URL, timeout=120) as resp:
+                    data = resp.read()
+            except Exception as e:
+                raise CommandError(f'Download failed: {e}')
+
+            self.stdout.write(f'      Parsing CSV ({len(data):,} bytes)…')
+            entries = _parse_policen_csv(data, policen_year)
+            self.stdout.write(f'      Parsed {len(entries):,} policen rows.')
+            if not entries:
+                raise CommandError('No policen data parsed — check CSV structure.')
+
+            deleted, _ = PraemienPolice.objects.filter(data_year=policen_year).delete()
+            self.stdout.write(f'      Cleared {deleted} old entries.')
+
+            objs = [PraemienPolice(**e) for e in entries]
+            created = 0
+            for i in range(0, len(objs), 2000):
+                PraemienPolice.objects.bulk_create(objs[i:i+2000], ignore_conflicts=True)
+                created += min(2000, len(objs) - i)
+                self.stdout.write(f'      {created:,} / {len(objs):,}', ending='\r')
+            self.stdout.write('')
+            self.stdout.write(self.style.SUCCESS(f'      ✓ {len(objs):,} policen rows imported.'))
+
+        self.stdout.write(self.style.SUCCESS('Done.'))
@@ -0,0 +1,37 @@
+# Generated by Django 6.0.4 on 2026-05-24 10:31
+
+import django.db.models.deletion
+from django.conf import settings
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('finance', '0020_email_verify_token_expiry'),
+        migrations.swappable_dependency(settings.AUTH_USER_MODEL),
+    ]
+
+    operations = [
+        migrations.CreateModel(
+            name='Insurance',
+            fields=[
+                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
+                ('insurance_type', models.CharField(choices=[('kvg', 'Krankenkasse Grundversicherung (KVG)'), ('kk_zusatz', 'KK-Zusatzversicherung'), ('nbu', 'Nicht-Berufsunfallversicherung (NBU)'), ('haftpflicht', 'Privathaftpflicht'), ('hausrat', 'Hausrat'), ('mfz', 'MFZ-Haftpflicht'), ('rechtsschutz', 'Rechtsschutz'), ('saule_3a', 'Säule 3a'), ('leben', 'Lebensversicherung'), ('reise', 'Reiseversicherung'), ('other', 'Sonstiges')], max_length=30)),
+                ('insurer', models.CharField(max_length=200)),
+                ('policy_number', models.CharField(blank=True, default='', max_length=100)),
+                ('premium', models.DecimalField(decimal_places=2, max_digits=10)),
+                ('premium_period', models.CharField(choices=[('monthly', 'Monatlich'), ('quarterly', 'Vierteljährlich'), ('semi_annual', 'Halbjährlich'), ('annual', 'Jährlich')], default='monthly', max_length=20)),
+                ('coverage_amount', models.DecimalField(blank=True, decimal_places=2, max_digits=12, null=True)),
+                ('deductible', models.DecimalField(blank=True, decimal_places=2, max_digits=10, null=True)),
+                ('valid_from', models.DateField(blank=True, null=True)),
+                ('valid_until', models.DateField(blank=True, null=True)),
+                ('notes', models.TextField(blank=True, default='')),
+                ('created_at', models.DateTimeField(auto_now_add=True)),
+                ('user', models.ForeignKey(on_delete=django.db.models.deletion.CASCADE, related_name='insurances', to=settings.AUTH_USER_MODEL)),
+            ],
+            options={
+                'ordering': ['insurance_type'],
+            },
+        ),
+    ]
@@ -0,0 +1,34 @@
+# Generated by Django 6.0.4 on 2026-05-24 11:14
+
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('finance', '0021_add_insurance_model'),
+    ]
+
+    operations = [
+        migrations.CreateModel(
+            name='PraemienEntry',
+            fields=[
+                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
+                ('plz', models.CharField(db_index=True, max_length=10)),
+                ('ort', models.CharField(max_length=200)),
+                ('kanton', models.CharField(max_length=2)),
+                ('region', models.PositiveSmallIntegerField()),
+                ('bfs_nr', models.PositiveIntegerField(db_index=True)),
+                ('gemeinde', models.CharField(max_length=200)),
+                ('bezirk', models.CharField(blank=True, default='', max_length=200)),
+                ('avg_adult', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('avg_young_adult', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('avg_child', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('data_year', models.PositiveSmallIntegerField(db_index=True)),
+            ],
+            options={
+                'ordering': ['kanton', 'ort'],
+                'unique_together': {('plz', 'ort', 'data_year')},
+            },
+        ),
+    ]
@@ -0,0 +1,34 @@
+# Generated by Django 6.0.4 on 2026-05-24 11:38
+
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('finance', '0022_add_praemien_entry'),
+    ]
+
+    operations = [
+        migrations.CreateModel(
+            name='PraemienPolice',
+            fields=[
+                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
+                ('versicherer_id', models.PositiveIntegerField(db_index=True)),
+                ('kanton', models.CharField(max_length=2)),
+                ('region', models.PositiveSmallIntegerField()),
+                ('altersklasse', models.CharField(max_length=10)),
+                ('unfalleinschluss', models.CharField(max_length=10)),
+                ('tariftyp', models.CharField(max_length=10)),
+                ('tarifbezeichnung', models.CharField(max_length=200)),
+                ('franchisestufe', models.CharField(max_length=10)),
+                ('franchise_chf', models.PositiveSmallIntegerField()),
+                ('praemie', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('data_year', models.PositiveSmallIntegerField(db_index=True)),
+            ],
+            options={
+                'indexes': [models.Index(fields=['kanton', 'region', 'altersklasse', 'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year'], name='finance_pra_kanton_e430cb_idx')],
+                'unique_together': {('versicherer_id', 'kanton', 'region', 'altersklasse', 'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year')},
+            },
+        ),
+    ]
@@ -223,4 +223,112 @@ class BackupCode(models.Model):
        indexes = [models.Index(fields=['user', 'used'])]

    def __str__(self):
-        return f"{self.user} – backup {'used' if self.used else 'active'}"
+        return f"{self.user} – backup {'used' if self.used else 'active'}"
+
+
+class Insurance(models.Model):
+    INSURANCE_TYPES = [
+        ('kvg', 'Krankenkasse Grundversicherung (KVG)'),
+        ('kk_zusatz', 'KK-Zusatzversicherung'),
+        ('nbu', 'Nicht-Berufsunfallversicherung (NBU)'),
+        ('haftpflicht', 'Privathaftpflicht'),
+        ('hausrat', 'Hausrat'),
+        ('mfz', 'MFZ-Haftpflicht'),
+        ('rechtsschutz', 'Rechtsschutz'),
+        ('saule_3a', 'Säule 3a'),
+        ('leben', 'Lebensversicherung'),
+        ('reise', 'Reiseversicherung'),
+        ('other', 'Sonstiges'),
+    ]
+
+    PERIOD_CHOICES = [
+        ('monthly', 'Monatlich'),
+        ('quarterly', 'Vierteljährlich'),
+        ('semi_annual', 'Halbjährlich'),
+        ('annual', 'Jährlich'),
+    ]
+
+    user = models.ForeignKey(
+        settings.AUTH_USER_MODEL,
+        on_delete=models.CASCADE,
+        related_name='insurances',
+    )
+    insurance_type = models.CharField(max_length=30, choices=INSURANCE_TYPES)
+    insurer = models.CharField(max_length=200)
+    policy_number = models.CharField(max_length=100, blank=True, default='')
+    premium = models.DecimalField(max_digits=10, decimal_places=2)
+    premium_period = models.CharField(max_length=20, choices=PERIOD_CHOICES, default='monthly')
+    coverage_amount = models.DecimalField(max_digits=12, decimal_places=2, null=True, blank=True)
+    deductible = models.DecimalField(max_digits=10, decimal_places=2, null=True, blank=True)
+    valid_from = models.DateField(null=True, blank=True)
+    valid_until = models.DateField(null=True, blank=True)
+    notes = models.TextField(blank=True, default='')
+    created_at = models.DateTimeField(auto_now_add=True)
+
+    class Meta:
+        ordering = ['insurance_type']
+
+    def __str__(self):
+        return f"{self.get_insurance_type_display()} – {self.insurer}"
+
+
+class PraemienEntry(models.Model):
+    """
+    Swiss health insurance average premium data from BAG / Priminfo.
+    Populated via management command: python manage.py import_praemien [year]
+    Source: https://www.priminfo.admin.ch/downloads/praemienregionen_{year}.xlsx
+    """
+    plz = models.CharField(max_length=10, db_index=True)
+    ort = models.CharField(max_length=200)
+    kanton = models.CharField(max_length=2)
+    region = models.PositiveSmallIntegerField()  # Prämienregion 0, 1, 2, or 3
+    bfs_nr = models.PositiveIntegerField(db_index=True)
+    gemeinde = models.CharField(max_length=200)
+    bezirk = models.CharField(max_length=200, blank=True, default='')
+    avg_adult = models.DecimalField(max_digits=8, decimal_places=2)
+    avg_young_adult = models.DecimalField(max_digits=8, decimal_places=2)
+    avg_child = models.DecimalField(max_digits=8, decimal_places=2)
+    data_year = models.PositiveSmallIntegerField(db_index=True)
+
+    class Meta:
+        unique_together = ['plz', 'ort', 'data_year']
+        ordering = ['kanton', 'ort']
+
+    def __str__(self):
+        return f"{self.plz} {self.ort} ({self.kanton}) – Region {self.region} – {self.data_year}"
+
+
+class PraemienPolice(models.Model):
+    """
+    Granular KVG premium data per insurer, canton, region, age class, model, franchise.
+    Populated via management command: python manage.py import_praemien [year]
+    Source: https://opendata.bagnet.ch (Prämien_CH.csv)
+    ~217k rows for a full year.
+    """
+    versicherer_id = models.PositiveIntegerField(db_index=True)
+    kanton = models.CharField(max_length=2)
+    region = models.PositiveSmallIntegerField()          # 0, 1, 2, 3
+    altersklasse = models.CharField(max_length=10)       # AKL-ERW / AKL-JUG / AKL-KIN
+    unfalleinschluss = models.CharField(max_length=10)   # MIT-UNF / OHN-UNF
+    tariftyp = models.CharField(max_length=10)           # TAR-BASE / TAR-HAM / TAR-HMO / TAR-DIV
+    tarifbezeichnung = models.CharField(max_length=200)
+    franchisestufe = models.CharField(max_length=10)     # FRAST1 … FRAST7
+    franchise_chf = models.PositiveSmallIntegerField()   # e.g. 300, 500, 1000 …
+    praemie = models.DecimalField(max_digits=8, decimal_places=2)
+    data_year = models.PositiveSmallIntegerField(db_index=True)
+
+    class Meta:
+        unique_together = [
+            'versicherer_id', 'kanton', 'region', 'altersklasse',
+            'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year',
+        ]
+        indexes = [
+            models.Index(fields=[
+                'kanton', 'region', 'altersklasse',
+                'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year',
+            ]),
+        ]
+
+    def __str__(self):
+        return (f"V{self.versicherer_id} {self.kanton} R{self.region} "
+                f"{self.altersklasse} {self.tariftyp} {self.franchisestufe} → {self.praemie} CHF")
@@ -1,6 +1,6 @@
 from rest_framework import serializers
 from django.contrib.auth import get_user_model
-from .models import Account, Transaction, Budget, Expense, Profile, Deadline
+from .models import Account, Transaction, Budget, Expense, Profile, Deadline, Insurance

 User = get_user_model()

@@ -56,6 +56,12 @@ class DeadlineSerializer(serializers.ModelSerializer):
        exclude = ['user']


+class InsuranceSerializer(serializers.ModelSerializer):
+    class Meta:
+        model = Insurance
+        exclude = ['user']
+
+
 class RegisterSerializer(serializers.Serializer):
    email = serializers.EmailField()
    password = serializers.CharField(min_length=8, write_only=True)
@@ -21,10 +21,11 @@ from rest_framework.permissions import AllowAny, IsAuthenticated
 from rest_framework.throttling import AnonRateThrottle
 from rest_framework_simplejwt.tokens import RefreshToken
 from rest_framework_simplejwt.exceptions import TokenError
-from .models import Account, Transaction, Budget, Expense, Profile, Deadline, ReadEvent, BackupCode, UserSession
+from .models import Account, Transaction, Budget, Expense, Profile, Deadline, ReadEvent, BackupCode, UserSession, Insurance, PraemienEntry, PraemienPolice
 from .serializers import (
    AccountSerializer, TransactionSerializer, BudgetSerializer,
    ExpenseSerializer, ProfileSerializer, DeadlineSerializer, RegisterSerializer,
+    InsuranceSerializer,
 )


@@ -111,6 +112,172 @@ class DeadlineViewSet(viewsets.ModelViewSet):
        serializer.save(user=self.request.user)


+class InsuranceViewSet(viewsets.ModelViewSet):
+    serializer_class = InsuranceSerializer
+
+    def get_queryset(self):
+        return Insurance.objects.filter(user=self.request.user)
+
+    def perform_create(self, serializer):
+        serializer.save(user=self.request.user)
+
+
+INSURER_NAMES: dict[int, str] = {
+    8:    'Helsana AG',
+    32:   'KPT/CPT',
+    134:  'CSS Versicherung AG',
+    194:  'Concordia',
+    246:  'Groupe Mutuel',
+    290:  'Sanitas Krankenversicherung',
+    312:  'SWICA Krankenversicherung',
+    343:  'Visana AG',
+    360:  'Atupri Krankenkasse',
+    376:  'Kolping Krankenkasse',
+    455:  'EGK-Gesundheitskasse',
+    509:  'Galenos AG',
+    780:  'Luzerner Hinterland Krankenkasse (LHK)',
+    820:  'Krankenkasse Steffisburg',
+    881:  'sodalis gesundheitsgruppe',
+    923:  'Vivao Sympany AG',
+    941:  'Birchmeier Krankenkasse',
+    966:  'Krankenkasse Wädenswil',
+    1040: 'ÖKK',
+    1113: 'Agrisano Krankenkasse',
+    1318: 'Mutuel Assurance',
+    1322: 'Provita Gesundheitsversicherung AG',
+    1384: 'Sanagate AG',
+    1386: 'Aquilana Versicherungen',
+    1401: 'Easy Sana Assurance Maladie SA',
+    1479: 'Caisse-maladie Philos',
+    1507: 'Scheidegg Krankenkasse',
+    1509: 'Sana24 AG',
+    1535: 'rhenusana',
+    1542: 'Caisse-maladie de la Vallée SA',
+    1555: 'KLuG Krankenkasse',
+    1560: 'Krankenkasse Institut Ingenbohl',
+    1562: 'Sumiswalder Krankenkasse',
+    1568: 'avanto health AG',
+}
+
+
+def _age_class(geburtsjahr: int) -> str:
+    from datetime import date
+    age = date.today().year - geburtsjahr
+    if age <= 18:
+        return 'AKL-KIN'
+    if age <= 25:
+        return 'AKL-JUG'
+    return 'AKL-ERW'
+
+
+class PraemienView(views.APIView):
+    """
+    GET /api/praemien/?plz=8001
+    → Ø-Prämien aus D_PRIM (alle Versicherer, alle Modelle), 3 Alterskategorien.
+
+    GET /api/praemien/vergleich/?plz=8001&geburtsjahr=1990&tariftyp=TAR-BASE&franchisestufe=FRAST1&unfall=OHN-UNF
+    → Granularer Prämienvergleich pro Versicherer aus Prämien_CH.csv.
+    """
+    permission_classes = [IsAuthenticated]
+
+    def get(self, request):
+        plz = request.query_params.get('plz', '').strip().zfill(4)
+        if not plz or not plz.isdigit() or len(plz) != 4:
+            return Response({'error': 'Invalid PLZ'}, status=status.HTTP_400_BAD_REQUEST)
+
+        latest_year = (PraemienEntry.objects
+                       .values_list('data_year', flat=True)
+                       .order_by('-data_year').first())
+        if not latest_year:
+            return Response({'error': 'No data imported yet.'}, status=status.HTTP_404_NOT_FOUND)
+
+        entries = list(PraemienEntry.objects.filter(plz=plz, data_year=latest_year).values(
+            'plz', 'ort', 'kanton', 'region', 'gemeinde', 'bezirk',
+            'avg_adult', 'avg_young_adult', 'avg_child', 'data_year',
+        ))
+        if not entries:
+            return Response({'error': f'No data for PLZ {plz}'}, status=status.HTTP_404_NOT_FOUND)
+
+        return Response({'data_year': latest_year, 'results': entries})
+
+
+class PraemienVergleichView(views.APIView):
+    """
+    GET /api/praemien/vergleich/?plz=8001&geburtsjahr=1990&tariftyp=TAR-BASE&franchisestufe=FRAST1&unfall=OHN-UNF
+    Returns all available insurers for the given filters, sorted by premium ascending.
+    """
+    permission_classes = [IsAuthenticated]
+
+    def get(self, request):
+        plz = request.query_params.get('plz', '').strip().zfill(4)
+        geburtsjahr_raw = request.query_params.get('geburtsjahr', '').strip()
+        tariftyp = request.query_params.get('tariftyp', 'TAR-BASE').strip()
+        franchisestufe = request.query_params.get('franchisestufe', 'FRAST1').strip()
+        unfall = request.query_params.get('unfall', 'OHN-UNF').strip()
+
+        if not plz or not plz.isdigit() or len(plz) != 4:
+            return Response({'error': 'Invalid PLZ'}, status=status.HTTP_400_BAD_REQUEST)
+        if not geburtsjahr_raw.isdigit():
+            return Response({'error': 'Invalid geburtsjahr'}, status=status.HTTP_400_BAD_REQUEST)
+
+        geburtsjahr = int(geburtsjahr_raw)
+        altersklasse = _age_class(geburtsjahr)
+
+        # Resolve PLZ → Kanton + Region
+        entry = (PraemienEntry.objects
+                 .filter(plz=plz)
+                 .order_by('-data_year')
+                 .values('kanton', 'region', 'ort', 'gemeinde', 'data_year')
+                 .first())
+        if not entry:
+            return Response({'error': f'PLZ {plz} not found'}, status=status.HTTP_404_NOT_FOUND)
+
+        kanton = entry['kanton']
+        region = entry['region']
+
+        # Latest policen year
+        policen_year = (PraemienPolice.objects
+                        .values_list('data_year', flat=True)
+                        .order_by('-data_year').first())
+        if not policen_year:
+            return Response({'error': 'No policen data imported yet.'}, status=status.HTTP_404_NOT_FOUND)
+
+        policen = list(PraemienPolice.objects.filter(
+            kanton=kanton,
+            region=region,
+            altersklasse=altersklasse,
+            unfalleinschluss=unfall,
+            tariftyp=tariftyp,
+            franchisestufe=franchisestufe,
+            data_year=policen_year,
+        ).values('versicherer_id', 'tarifbezeichnung', 'franchise_chf', 'praemie')
+         .order_by('praemie'))
+
+        results = []
+        for p in policen:
+            vid = p['versicherer_id']
+            results.append({
+                'versicherer_id': vid,
+                'versicherer_name': INSURER_NAMES.get(vid, f'Versicherer {vid}'),
+                'tarifbezeichnung': p['tarifbezeichnung'],
+                'franchise_chf': p['franchise_chf'],
+                'praemie': str(p['praemie']),
+            })
+
+        return Response({
+            'kanton': kanton,
+            'region': region,
+            'ort': entry['ort'],
+            'gemeinde': entry['gemeinde'],
+            'altersklasse': altersklasse,
+            'tariftyp': tariftyp,
+            'franchisestufe': franchisestufe,
+            'unfall': unfall,
+            'data_year': policen_year,
+            'results': results,
+        })
+
+
 class ProfileView(views.APIView):
    def get(self, request):
        profile, _ = Profile.objects.get_or_create(user=request.user)
@@ -14,6 +14,10 @@ import { ExpenseList } from './expenses/expense-list/expense-list';
 import { Profile } from './profile/profile';
 import { Settings } from './settings/settings';
 import { Calendar } from './calendar/calendar';
+import { InsuranceOverview } from './insurance/overview/overview';
+import { InsuranceDocuments } from './insurance/documents/documents';
+import { InsuranceAnalyse } from './insurance/analyse/analyse';
+import { Priminfo } from './insurance/priminfo/priminfo';
 export const routes: Routes = [
  { path: 'login', component: Login },
  { path: 'register', component: Register },
@@ -34,6 +38,10 @@ export const routes: Routes = [
      { path: 'profile', component: Profile },
      { path: 'settings', component: Settings },
      { path: 'calendar', component: Calendar },
+      { path: 'insurance', component: InsuranceOverview },
+      { path: 'insurance-documents', component: InsuranceDocuments },
+      { path: 'insurance-analyse', component: InsuranceAnalyse },
+      { path: 'insurance-priminfo', component: Priminfo },
    ],
  },
  { path: '**', redirectTo: 'dashboard' },
@@ -0,0 +1,24 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <div>
+    <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'insurance_analyse.title' | translate }}</h1>
+    <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'insurance_analyse.subtitle' | translate }}</p>
+  </div>
+
+  <!-- Coming soon card -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-dashed border-gray-300 dark:border-gray-600 p-12 text-center">
+    <div class="mx-auto w-14 h-14 rounded-full bg-emerald-100 dark:bg-emerald-900/30 flex items-center justify-center mb-4">
+      <svg class="w-7 h-7 text-emerald-600 dark:text-emerald-400" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M10 3v4a1 1 0 0 1-1 1H5m4 8h6m-6-4h6m4-8v16a1 1 0 0 1-1 1H6a1 1 0 0 1-1-1V7.914a1 1 0 0 1 .293-.707l3.914-3.914A1 1 0 0 1 9.914 3H18a1 1 0 0 1 1 1Z"/>
+      </svg>
+    </div>
+    <h2 class="text-base font-semibold text-gray-900 dark:text-white mb-2">{{ 'insurance_analyse.coming_soon_title' | translate }}</h2>
+    <p class="text-sm text-gray-500 dark:text-gray-400 max-w-sm mx-auto">{{ 'insurance_analyse.coming_soon_text' | translate }}</p>
+    <div class="mt-6 flex flex-wrap justify-center gap-2">
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300">{{ 'insurance_analyse.tag_soll' | translate }}</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300">{{ 'insurance_analyse.tag_gaps' | translate }}</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300">{{ 'insurance_analyse.tag_recommendations' | translate }}</span>
+    </div>
+  </div>
+
+</div>
@@ -0,0 +1,10 @@
+import { Component } from '@angular/core';
+import { TranslateModule } from '@ngx-translate/core';
+
+@Component({
+  selector: 'app-insurance-analyse',
+  standalone: true,
+  imports: [TranslateModule],
+  templateUrl: './analyse.html',
+})
+export class InsuranceAnalyse {}
@@ -0,0 +1,25 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <div>
+    <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'insurance_docs.title' | translate }}</h1>
+    <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'insurance_docs.subtitle' | translate }}</p>
+  </div>
+
+  <!-- Coming soon card -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-dashed border-gray-300 dark:border-gray-600 p-12 text-center">
+    <div class="mx-auto w-14 h-14 rounded-full bg-violet-100 dark:bg-violet-900/30 flex items-center justify-center mb-4">
+      <!-- Sparkles / AI icon -->
+      <svg class="w-7 h-7 text-violet-600 dark:text-violet-400" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M9.143 4 7 2m-3 5L2 9m7-3a5 5 0 0 1 5 5m3-7 2-2m-2 7 2 2M5 12a5 5 0 0 0 5 5m0 0 2 2m-2-2-2 2m2-2V9"/>
+      </svg>
+    </div>
+    <h2 class="text-base font-semibold text-gray-900 dark:text-white mb-2">{{ 'insurance_docs.coming_soon_title' | translate }}</h2>
+    <p class="text-sm text-gray-500 dark:text-gray-400 max-w-sm mx-auto">{{ 'insurance_docs.coming_soon_text' | translate }}</p>
+    <div class="mt-6 flex flex-wrap justify-center gap-2">
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">PDF Upload</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">AI / IDP</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">Claude API</span>
+    </div>
+  </div>
+
+</div>
@@ -0,0 +1,10 @@
+import { Component } from '@angular/core';
+import { TranslateModule } from '@ngx-translate/core';
+
+@Component({
+  selector: 'app-insurance-documents',
+  standalone: true,
+  imports: [TranslateModule],
+  templateUrl: './documents.html',
+})
+export class InsuranceDocuments {}
@@ -0,0 +1,302 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <!-- Header -->
+  <div class="flex items-center justify-between">
+    <div>
+      <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'insurance.title' | translate }}</h1>
+      <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'insurance.subtitle' | translate }}</p>
+    </div>
+    <button (click)="openCreate()"
+      class="flex items-center gap-2 px-4 py-2 bg-violet-600 hover:bg-violet-700 text-white text-sm font-medium rounded-lg transition-colors">
+      <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M5 12h14M12 5v14"/>
+      </svg>
+      {{ 'insurance.add' | translate }}
+    </button>
+  </div>
+
+  <!-- KPI Cards -->
+  <div class="grid grid-cols-1 sm:grid-cols-3 gap-4">
+    <!-- Total monthly -->
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">{{ 'insurance.kpi_monthly' | translate }}</p>
+      <p class="mt-2 text-2xl font-bold text-amber-600 dark:text-amber-400">{{ totalMonthly() | number:'1.2-2' }} <span class="text-sm font-normal text-gray-400">CHF</span></p>
+    </div>
+    <!-- Count -->
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">{{ 'insurance.kpi_count' | translate }}</p>
+      <p class="mt-2 text-2xl font-bold text-gray-900 dark:text-white">{{ insurances().length }}</p>
+    </div>
+    <!-- Coverage status -->
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">{{ 'insurance.kpi_covered' | translate }}</p>
+      <p class="mt-2 text-2xl font-bold text-emerald-600 dark:text-emerald-400">
+        {{ coveredTypes().size }} / {{ insuranceTypes.length }}
+      </p>
+    </div>
+  </div>
+
+  <!-- Coverage Checklist -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+    <h2 class="text-sm font-semibold text-gray-700 dark:text-gray-300 mb-4">{{ 'insurance.checklist_title' | translate }}</h2>
+    <div class="grid grid-cols-2 sm:grid-cols-4 gap-3">
+      @for (type of checklist; track type) {
+        <div class="flex items-center gap-2 p-2.5 rounded-lg"
+          [class]="coveredTypes().has(type)
+            ? 'bg-emerald-50 dark:bg-emerald-900/20 border border-emerald-200 dark:border-emerald-800'
+            : 'bg-amber-50 dark:bg-amber-900/20 border border-amber-200 dark:border-amber-800'">
+          @if (coveredTypes().has(type)) {
+            <svg class="w-4 h-4 text-emerald-600 dark:text-emerald-400 flex-shrink-0" fill="currentColor" viewBox="0 0 20 20">
+              <path fill-rule="evenodd" d="M10 18a8 8 0 100-16 8 8 0 000 16zm3.707-9.293a1 1 0 00-1.414-1.414L9 10.586 7.707 9.293a1 1 0 00-1.414 1.414l2 2a1 1 0 001.414 0l4-4z" clip-rule="evenodd"/>
+            </svg>
+          } @else {
+            <svg class="w-4 h-4 text-amber-500 dark:text-amber-400 flex-shrink-0" fill="currentColor" viewBox="0 0 20 20">
+              <path fill-rule="evenodd" d="M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z" clip-rule="evenodd"/>
+            </svg>
+          }
+          <span class="text-xs font-medium"
+            [class]="coveredTypes().has(type)
+              ? 'text-emerald-700 dark:text-emerald-300'
+              : 'text-amber-700 dark:text-amber-300'">
+            {{ ('insurance.types.' + type) | translate }}
+          </span>
+        </div>
+      }
+    </div>
+    <p class="mt-3 text-xs text-gray-400 dark:text-gray-500">{{ 'insurance.checklist_hint' | translate }}</p>
+  </div>
+
+  <!-- Insurance List -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 overflow-hidden">
+    <div class="px-5 py-4 border-b border-gray-100 dark:border-gray-700">
+      <h2 class="text-sm font-semibold text-gray-700 dark:text-gray-300">{{ 'insurance.list_title' | translate }}</h2>
+    </div>
+
+    @if (loading()) {
+      <div class="py-12 text-center text-sm text-gray-400">{{ 'insurance.loading' | translate }}</div>
+    } @else if (insurances().length === 0) {
+      <div class="py-12 text-center">
+        <svg class="mx-auto w-10 h-10 text-gray-300 dark:text-gray-600 mb-3" fill="currentColor" viewBox="0 0 20 20">
+          <path fill-rule="evenodd" d="M10 1.944A11.954 11.954 0 012.166 5C2.056 5.649 2 6.319 2 7c0 5.225 3.34 9.67 8 11.317C14.66 16.67 18 12.225 18 7c0-.682-.057-1.35-.166-2.001A11.954 11.954 0 0110 1.944z" clip-rule="evenodd"/>
+        </svg>
+        <p class="text-sm text-gray-500 dark:text-gray-400">{{ 'insurance.no_entries' | translate }}</p>
+      </div>
+    } @else {
+      <div class="divide-y divide-gray-100 dark:divide-gray-700">
+        @for (ins of insurances(); track ins.id) {
+          <div class="flex items-center justify-between px-5 py-4 hover:bg-gray-50 dark:hover:bg-gray-700/50 transition-colors">
+            <div class="flex items-center gap-4 min-w-0">
+              <!-- Type badge -->
+              <span class="shrink-0 px-2.5 py-1 rounded-full text-xs font-medium bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">
+                {{ ('insurance.types.' + ins.insurance_type) | translate }}
+              </span>
+              <div class="min-w-0">
+                <p class="text-sm font-semibold text-gray-900 dark:text-white truncate">{{ ins.insurer }}</p>
+                @if (ins.policy_number) {
+                  <p class="text-xs text-gray-400 dark:text-gray-500">{{ ins.policy_number }}</p>
+                }
+              </div>
+            </div>
+            <div class="flex items-center gap-6 shrink-0 ml-4">
+              <!-- Premium -->
+              <div class="text-right hidden sm:block">
+                <p class="text-sm font-semibold text-amber-600 dark:text-amber-400">{{ ins.premium | number:'1.2-2' }} CHF</p>
+                <p class="text-xs text-gray-400">{{ ('insurance.period.' + ins.premium_period) | translate }}</p>
+              </div>
+              <!-- Monthly equivalent -->
+              <div class="text-right">
+                <p class="text-xs text-gray-500 dark:text-gray-400">{{ monthlyEquivalent(ins) | number:'1.2-2' }} CHF/{{ 'insurance.month_short' | translate }}</p>
+              </div>
+              <!-- Actions -->
+              <div class="flex items-center gap-1">
+                <button (click)="openEdit(ins)"
+                  class="p-1.5 text-gray-400 hover:text-violet-600 dark:hover:text-violet-400 rounded-lg hover:bg-gray-100 dark:hover:bg-gray-700 transition-colors">
+                  <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+                    <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="m14.304 4.844 2.852 2.852M7 7H4a1 1 0 0 0-1 1v10a1 1 0 0 0 1 1h11a1 1 0 0 0 1-1v-4.5m2.409-9.91a2.017 2.017 0 0 1 0 2.853l-6.845 6.845L8 14l.713-3.564 6.844-6.846a2.015 2.015 0 0 1 2.852 0Z"/>
+                  </svg>
+                </button>
+                <button (click)="confirmDelete(ins)"
+                  class="p-1.5 text-gray-400 hover:text-red-600 dark:hover:text-red-400 rounded-lg hover:bg-gray-100 dark:hover:bg-gray-700 transition-colors">
+                  <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+                    <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M5 7h14m-9 3v8m4-8v8M10 3h4a1 1 0 0 1 1 1v3H9V4a1 1 0 0 1 1-1ZM6 7h12v13a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V7Z"/>
+                  </svg>
+                </button>
+              </div>
+            </div>
+          </div>
+        }
+      </div>
+    }
+  </div>
+
+</div>
+
+<!-- Create / Edit Modal -->
+@if (showModal()) {
+  <div class="fixed inset-0 z-50 flex items-center justify-center bg-black/50 backdrop-blur-sm p-4">
+    <div class="bg-white dark:bg-gray-800 rounded-2xl shadow-xl w-full max-w-lg max-h-[90vh] overflow-y-auto">
+      <div class="flex items-center justify-between px-6 py-4 border-b border-gray-100 dark:border-gray-700">
+        <h2 class="text-base font-semibold text-gray-900 dark:text-white">
+          {{ (editTarget() ? 'insurance.edit_title' : 'insurance.create_title') | translate }}
+        </h2>
+        <button (click)="closeModal()" class="text-gray-400 hover:text-gray-600 dark:hover:text-gray-300">
+          <svg class="w-5 h-5" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M6 18 17.94 6M18 18 6.06 6"/>
+          </svg>
+        </button>
+      </div>
+
+      <div class="px-6 py-5 space-y-4">
+        <!-- Type -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_type' | translate }}</label>
+          <select
+            [ngModel]="form().insurance_type"
+            (ngModelChange)="setField('insurance_type', $event)"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500">
+            @for (type of insuranceTypes; track type) {
+              <option [value]="type">{{ ('insurance.types.' + type) | translate }}</option>
+            }
+          </select>
+        </div>
+
+        <!-- Insurer -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_insurer' | translate }}</label>
+          <input type="text"
+            [ngModel]="form().insurer"
+            (ngModelChange)="setField('insurer', $event)"
+            [placeholder]="'insurance.placeholder_insurer' | translate"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+        </div>
+
+        <!-- Policy number -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+            {{ 'insurance.label_policy_number' | translate }}
+            <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+          </label>
+          <input type="text"
+            [ngModel]="form().policy_number"
+            (ngModelChange)="setField('policy_number', $event)"
+            [placeholder]="'insurance.placeholder_policy_number' | translate"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+        </div>
+
+        <!-- Premium + Period -->
+        <div class="grid grid-cols-2 gap-3">
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_premium' | translate }}</label>
+            <input type="number" min="0" step="0.01"
+              [ngModel]="form().premium"
+              (ngModelChange)="setField('premium', $event)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_period' | translate }}</label>
+            <select
+              [ngModel]="form().premium_period"
+              (ngModelChange)="setField('premium_period', $event)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500">
+              @for (p of periodChoices; track p) {
+                <option [value]="p">{{ ('insurance.period.' + p) | translate }}</option>
+              }
+            </select>
+          </div>
+        </div>
+
+        <!-- Coverage amount + Deductible -->
+        <div class="grid grid-cols-2 gap-3">
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_coverage' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="number" min="0" step="100"
+              [ngModel]="form().coverage_amount"
+              (ngModelChange)="setField('coverage_amount', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_deductible' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="number" min="0" step="50"
+              [ngModel]="form().deductible"
+              (ngModelChange)="setField('deductible', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+        </div>
+
+        <!-- Valid from / until -->
+        <div class="grid grid-cols-2 gap-3">
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_valid_from' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="date"
+              [ngModel]="form().valid_from"
+              (ngModelChange)="setField('valid_from', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_valid_until' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="date"
+              [ngModel]="form().valid_until"
+              (ngModelChange)="setField('valid_until', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+        </div>
+
+        <!-- Notes -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+            {{ 'insurance.label_notes' | translate }}
+            <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+          </label>
+          <textarea rows="2"
+            [ngModel]="form().notes"
+            (ngModelChange)="setField('notes', $event)"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500 resize-none"></textarea>
+        </div>
+      </div>
+
+      <!-- Footer -->
+      <div class="px-6 py-4 border-t border-gray-100 dark:border-gray-700 flex justify-end gap-3">
+        <button (click)="closeModal()"
+          class="px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-300 bg-white dark:bg-gray-700 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors">
+          {{ 'common.cancel' | translate }}
+        </button>
+        <button (click)="save()" [disabled]="saving()"
+          class="px-4 py-2 text-sm font-medium text-white bg-violet-600 hover:bg-violet-700 disabled:opacity-60 rounded-lg transition-colors">
+          {{ saving() ? ('common.save' | translate) + '...' : ('common.save_changes' | translate) }}
+        </button>
+      </div>
+    </div>
+  </div>
+}
+
+<!-- Delete confirm -->
+@if (deleteTarget()) {
+  <div class="fixed inset-0 z-50 flex items-center justify-center bg-black/50 backdrop-blur-sm p-4">
+    <div class="bg-white dark:bg-gray-800 rounded-2xl shadow-xl w-full max-w-sm p-6">
+      <h2 class="text-base font-semibold text-gray-900 dark:text-white mb-2">{{ 'common.delete_confirm_title' | translate }}</h2>
+      <p class="text-sm text-gray-500 dark:text-gray-400 mb-6">{{ 'common.delete_confirm_text' | translate }}</p>
+      <div class="flex justify-end gap-3">
+        <button (click)="cancelDelete()"
+          class="px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-300 bg-white dark:bg-gray-700 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors">
+          {{ 'common.cancel' | translate }}
+        </button>
+        <button (click)="executeDelete()"
+          class="px-4 py-2 text-sm font-medium text-white bg-red-600 hover:bg-red-700 rounded-lg transition-colors">
+          {{ 'common.delete' | translate }}
+        </button>
+      </div>
+    </div>
+  </div>
+}
@@ -0,0 +1,163 @@
+import { Component, OnInit, signal, computed } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { TranslateModule, TranslateService } from '@ngx-translate/core';
+import { ApiService } from '../../services/api';
+
+export interface Insurance {
+  id?: number;
+  insurance_type: string;
+  insurer: string;
+  policy_number: string;
+  premium: number;
+  premium_period: string;
+  coverage_amount: number | null;
+  deductible: number | null;
+  valid_from: string | null;
+  valid_until: string | null;
+  notes: string;
+}
+
+export const INSURANCE_TYPES = [
+  'kvg', 'kk_zusatz', 'nbu', 'haftpflicht', 'hausrat',
+  'mfz', 'rechtsschutz', 'saule_3a', 'leben', 'reise', 'other',
+];
+
+export const PERIOD_CHOICES = ['monthly', 'quarterly', 'semi_annual', 'annual'];
+
+// Monthly premium factor for each period
+const PERIOD_TO_MONTHLY: Record<string, number> = {
+  monthly: 1,
+  quarterly: 1 / 3,
+  semi_annual: 1 / 6,
+  annual: 1 / 12,
+};
+
+// Swiss recommended coverage checklist
+export const SWISS_COVERAGE_CHECKLIST = [
+  'kvg', 'haftpflicht', 'hausrat', 'nbu',
+];
+
+@Component({
+  selector: 'app-insurance-overview',
+  standalone: true,
+  imports: [CommonModule, FormsModule, TranslateModule],
+  templateUrl: './overview.html',
+})
+export class InsuranceOverview implements OnInit {
+  insurances = signal<Insurance[]>([]);
+  loading = signal(true);
+  saving = signal(false);
+  showModal = signal(false);
+  deleteTarget = signal<Insurance | null>(null);
+  editTarget = signal<Insurance | null>(null);
+
+  form = signal<Insurance>({
+    insurance_type: 'kvg',
+    insurer: '',
+    policy_number: '',
+    premium: 0,
+    premium_period: 'monthly',
+    coverage_amount: null,
+    deductible: null,
+    valid_from: null,
+    valid_until: null,
+    notes: '',
+  });
+
+  readonly insuranceTypes = INSURANCE_TYPES;
+  readonly periodChoices = PERIOD_CHOICES;
+  readonly checklist = SWISS_COVERAGE_CHECKLIST;
+
+  // KPI: total monthly premium across all insurances
+  totalMonthly = computed(() =>
+    this.insurances().reduce((sum, ins) => {
+      const factor = PERIOD_TO_MONTHLY[ins.premium_period] ?? 1;
+      return sum + (Number(ins.premium) * factor);
+    }, 0)
+  );
+
+  // Which checklist items are covered
+  coveredTypes = computed(() => new Set(this.insurances().map(i => i.insurance_type)));
+
+  constructor(private api: ApiService) {}
+
+  ngOnInit() {
+    this.load();
+  }
+
+  load() {
+    this.loading.set(true);
+    this.api.getInsurances().subscribe({
+      next: (data) => { this.insurances.set(data); this.loading.set(false); },
+      error: () => this.loading.set(false),
+    });
+  }
+
+  openCreate() {
+    this.editTarget.set(null);
+    this.form.set({
+      insurance_type: 'kvg',
+      insurer: '',
+      policy_number: '',
+      premium: 0,
+      premium_period: 'monthly',
+      coverage_amount: null,
+      deductible: null,
+      valid_from: null,
+      valid_until: null,
+      notes: '',
+    });
+    this.showModal.set(true);
+  }
+
+  openEdit(ins: Insurance) {
+    this.editTarget.set(ins);
+    this.form.set({ ...ins });
+    this.showModal.set(true);
+  }
+
+  closeModal() {
+    this.showModal.set(false);
+    this.editTarget.set(null);
+  }
+
+  save() {
+    const data = this.form();
+    this.saving.set(true);
+    const target = this.editTarget();
+    const req = target?.id
+      ? this.api.updateInsurance(target.id, data)
+      : this.api.createInsurance(data);
+    req.subscribe({
+      next: () => { this.saving.set(false); this.closeModal(); this.load(); },
+      error: () => this.saving.set(false),
+    });
+  }
+
+  confirmDelete(ins: Insurance) {
+    this.deleteTarget.set(ins);
+  }
+
+  cancelDelete() {
+    this.deleteTarget.set(null);
+  }
+
+  executeDelete() {
+    const target = this.deleteTarget();
+    if (!target?.id) return;
+    this.api.deleteInsurance(target.id).subscribe({
+      next: () => { this.deleteTarget.set(null); this.load(); },
+    });
+  }
+
+  // Form helpers — signal-form pattern
+  setField<K extends keyof Insurance>(key: K, value: Insurance[K]) {
+    this.form.update(f => ({ ...f, [key]: value }));
+  }
+
+  monthlyEquivalent(ins: Insurance): number {
+    const factor = PERIOD_TO_MONTHLY[ins.premium_period] ?? 1;
+    return Number(ins.premium) * factor;
+  }
+}
@@ -0,0 +1,382 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <!-- Header -->
+  <div class="flex items-start justify-between gap-4">
+    <div>
+      <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'priminfo.title' | translate }}</h1>
+      <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'priminfo.subtitle' | translate }}</p>
+    </div>
+    <button (click)="openPriminfo()"
+      class="shrink-0 flex items-center gap-2 px-3 py-2 text-sm font-medium text-violet-700 dark:text-violet-300 bg-violet-50 dark:bg-violet-900/20 border border-violet-200 dark:border-violet-800 rounded-lg hover:bg-violet-100 dark:hover:bg-violet-900/40 transition-colors">
+      <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M18 14v4.833A1.166 1.166 0 0 1 16.833 20H5.167A1.167 1.167 0 0 1 4 18.833V7.167A1.166 1.166 0 0 1 5.167 6h4.618m4.447-2H20v5.768m-7.889 2.121 7.778-7.778"/>
+      </svg>
+      priminfo.admin.ch
+    </button>
+  </div>
+
+  <!-- ── Section 1: PLZ → Ø-Prämien ───────────────────────────────── -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+    <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-3">
+      {{ 'priminfo.plz_label' | translate }}
+    </label>
+    <div class="flex gap-3">
+      <input
+        type="text"
+        inputmode="numeric"
+        maxlength="4"
+        [ngModel]="plzInput()"
+        (ngModelChange)="plzInput.set($event)"
+        (keydown)="onKeydown($event)"
+        [placeholder]="'priminfo.plz_placeholder' | translate"
+        class="block w-40 rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500 font-mono tracking-widest" />
+      <button (click)="search()" [disabled]="loading() || plzInput().trim().length < 4"
+        class="flex items-center gap-2 px-4 py-2.5 bg-violet-600 hover:bg-violet-700 disabled:opacity-50 text-white text-sm font-medium rounded-lg transition-colors">
+        @if (loading()) {
+          <svg class="w-4 h-4 animate-spin" fill="none" viewBox="0 0 24 24">
+            <circle class="opacity-25" cx="12" cy="12" r="10" stroke="currentColor" stroke-width="4"></circle>
+            <path class="opacity-75" fill="currentColor" d="M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4z"></path>
+          </svg>
+        } @else {
+          <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-width="2" d="m21 21-3.5-3.5M17 11A6 6 0 1 1 5 11a6 6 0 0 1 12 0Z"/>
+          </svg>
+        }
+        {{ 'priminfo.search' | translate }}
+      </button>
+    </div>
+    <p class="mt-2 text-xs text-gray-400 dark:text-gray-500">{{ 'priminfo.plz_hint' | translate }}</p>
+  </div>
+
+  <!-- Error (PLZ search) -->
+  @if (error()) {
+    <div class="bg-amber-50 dark:bg-amber-900/20 border border-amber-200 dark:border-amber-800 rounded-xl p-4 flex items-start gap-3">
+      <svg class="w-5 h-5 text-amber-500 flex-shrink-0 mt-0.5" fill="currentColor" viewBox="0 0 20 20">
+        <path fill-rule="evenodd" d="M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z" clip-rule="evenodd"/>
+      </svg>
+      <p class="text-sm text-amber-700 dark:text-amber-300">{{ 'priminfo.error_not_found' | translate }}</p>
+    </div>
+  }
+
+  <!-- Ø-Prämien Results -->
+  @if (results().length > 0) {
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <div class="flex items-center gap-3 mb-4">
+        <div class="w-8 h-8 rounded-full bg-violet-100 dark:bg-violet-900/30 flex items-center justify-center">
+          <svg class="w-4 h-4 text-violet-600 dark:text-violet-400" fill="currentColor" viewBox="0 0 20 20">
+            <path fill-rule="evenodd" d="M5.05 4.05a7 7 0 119.9 9.9L10 18.9l-4.95-4.95a7 7 0 010-9.9zM10 11a2 2 0 100-4 2 2 0 000 4z" clip-rule="evenodd"/>
+          </svg>
+        </div>
+        <div>
+          <p class="text-sm font-semibold text-gray-900 dark:text-white">
+            {{ results()[0].plz }} {{ results()[0].ort }}
+          </p>
+          <p class="text-xs text-gray-500 dark:text-gray-400">
+            {{ results()[0].kanton }} · {{ results()[0].bezirk }}
+          </p>
+        </div>
+        <div class="ml-auto">
+          <span class="px-2.5 py-1 rounded-full text-xs font-medium bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">
+            {{ 'priminfo.region_label' | translate }} {{ results()[0].region }}
+          </span>
+        </div>
+      </div>
+
+      @if (results().length > 1) {
+        <div class="mb-4 px-3 py-2 bg-amber-50 dark:bg-amber-900/20 rounded-lg border border-amber-200 dark:border-amber-800">
+          <p class="text-xs text-amber-700 dark:text-amber-300">{{ 'priminfo.multi_ort_hint' | translate }}</p>
+        </div>
+      }
+
+      @for (entry of uniqueRegions(); track entry.region + entry.kanton) {
+        <div class="mb-4 last:mb-0">
+          @if (uniqueRegions().length > 1) {
+            <p class="text-xs font-semibold text-gray-500 dark:text-gray-400 mb-2 uppercase tracking-wide">
+              {{ entry.gemeinde }} — {{ 'priminfo.region_label' | translate }} {{ entry.region }}
+            </p>
+          }
+          <div class="grid grid-cols-3 gap-3">
+            <div class="bg-gray-50 dark:bg-gray-700/50 rounded-lg p-3 text-center">
+              <p class="text-xs text-gray-500 dark:text-gray-400 mb-1">{{ 'priminfo.col_child' | translate }}</p>
+              <p class="text-lg font-bold text-emerald-600 dark:text-emerald-400">{{ entry.avg_child | number:'1.2-2' }}</p>
+              <p class="text-xs text-gray-400">CHF/{{ 'priminfo.month' | translate }}</p>
+            </div>
+            <div class="bg-gray-50 dark:bg-gray-700/50 rounded-lg p-3 text-center">
+              <p class="text-xs text-gray-500 dark:text-gray-400 mb-1">{{ 'priminfo.col_young' | translate }}</p>
+              <p class="text-lg font-bold text-amber-600 dark:text-amber-400">{{ entry.avg_young_adult | number:'1.2-2' }}</p>
+              <p class="text-xs text-gray-400">CHF/{{ 'priminfo.month' | translate }}</p>
+            </div>
+            <div class="bg-gray-50 dark:bg-gray-700/50 rounded-lg p-3 text-center">
+              <p class="text-xs text-gray-500 dark:text-gray-400 mb-1">{{ 'priminfo.col_adult' | translate }}</p>
+              <p class="text-lg font-bold text-violet-600 dark:text-violet-400">{{ entry.avg_adult | number:'1.2-2' }}</p>
+              <p class="text-xs text-gray-400">CHF/{{ 'priminfo.month' | translate }}</p>
+            </div>
+          </div>
+        </div>
+      }
+
+      <p class="mt-4 text-xs text-gray-400 dark:text-gray-500">
+        {{ 'priminfo.disclaimer' | translate : { year: dataYear() } }}
+      </p>
+    </div>
+  } @else if (searched() && !loading() && !error()) {
+    <div class="text-center py-10 text-sm text-gray-400">{{ 'priminfo.no_results' | translate }}</div>
+  }
+
+  <!-- ── Section 2: Versicherer-Vergleich ─────────────────────────── -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-emerald-200 dark:border-emerald-800 p-5">
+
+    <!-- Card header -->
+    <div class="flex items-center gap-3 mb-5">
+      <div class="w-8 h-8 rounded-full bg-emerald-100 dark:bg-emerald-900/30 flex items-center justify-center">
+        <svg class="w-4 h-4 text-emerald-600 dark:text-emerald-400" fill="currentColor" viewBox="0 0 24 24">
+          <path fill-rule="evenodd" d="M11.644 3.066a1 1 0 0 1 .712 0l7 2.666A1 1 0 0 1 20 6.68a17.694 17.694 0 0 1-2.023 7.98 17.406 17.406 0 0 1-5.402 6.158 1 1 0 0 1-1.15 0 17.405 17.405 0 0 1-5.403-6.157A17.695 17.695 0 0 1 4 6.68a1 1 0 0 1 .644-.949l7-2.666Zm4.014 7.187a1 1 0 0 0-1.316-1.506l-3.296 2.884-.839-.838a1 1 0 0 0-1.414 1.414l1.5 1.5a1 1 0 0 0 1.366.046l4-3.5Z" clip-rule="evenodd"/>
+        </svg>
+      </div>
+      <div>
+        <h2 class="text-sm font-semibold text-gray-900 dark:text-white">{{ 'priminfo.vergleich_card_title' | translate }}</h2>
+        <p class="text-xs text-gray-500 dark:text-gray-400">{{ 'priminfo.vergleich_card_subtitle' | translate }}</p>
+      </div>
+    </div>
+
+    <!-- Filter grid -->
+    <div class="grid grid-cols-1 sm:grid-cols-2 gap-4">
+
+      <!-- Geburtsjahr -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.geburtsjahr_label' | translate }}
+        </label>
+        <div class="flex items-center gap-2">
+          <input
+            type="text"
+            inputmode="numeric"
+            maxlength="4"
+            [ngModel]="geburtsjahrInput()"
+            (ngModelChange)="onGeburtsjahrChange($event)"
+            [placeholder]="'priminfo.geburtsjahr_placeholder' | translate"
+            class="block w-28 rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2 focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500 font-mono tracking-widest" />
+          @if (ageClass()) {
+            <span class="inline-flex items-center px-2 py-0.5 rounded text-xs font-medium"
+              [class]="ageClass() === 'AKL-KIN' ? 'bg-sky-100 text-sky-700 dark:bg-sky-900/30 dark:text-sky-300' :
+                       ageClass() === 'AKL-JUG' ? 'bg-amber-100 text-amber-700 dark:bg-amber-900/30 dark:text-amber-300' :
+                       'bg-emerald-100 text-emerald-700 dark:bg-emerald-900/30 dark:text-emerald-300'">
+              @if (ageClass() === 'AKL-KIN') { {{ 'priminfo.age_child' | translate }} }
+              @else if (ageClass() === 'AKL-JUG') { {{ 'priminfo.age_young' | translate }} }
+              @else { {{ 'priminfo.age_adult' | translate }} }
+            </span>
+          }
+        </div>
+      </div>
+
+      <!-- Versicherungsmodell -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.modell_label' | translate }}
+        </label>
+        <select
+          [ngModel]="tariftyp()"
+          (ngModelChange)="tariftyp.set($event)"
+          class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2 focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500">
+          <option value="TAR-BASE">{{ 'priminfo.modell_base' | translate }}</option>
+          <option value="TAR-HAM">{{ 'priminfo.modell_ham' | translate }}</option>
+          <option value="TAR-HMO">{{ 'priminfo.modell_hmo' | translate }}</option>
+          <option value="TAR-DIV">{{ 'priminfo.modell_div' | translate }}</option>
+        </select>
+      </div>
+
+      <!-- Franchise -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.franchise_label' | translate }}
+        </label>
+        <select
+          [ngModel]="franchisestufe()"
+          (ngModelChange)="franchisestufe.set($event)"
+          class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2 focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500">
+          @for (opt of franchiseOptions(); track opt.code) {
+            <option [value]="opt.code">{{ opt.label }}</option>
+          }
+        </select>
+      </div>
+
+      <!-- Unfalldeckung -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.unfall_label' | translate }}
+        </label>
+        <div class="flex rounded-lg border border-gray-300 dark:border-gray-600 overflow-hidden">
+          <button type="button"
+            (click)="unfall.set('OHN-UNF')"
+            [class]="unfall() === 'OHN-UNF'
+              ? 'flex-1 px-3 py-2 text-xs font-medium bg-emerald-600 text-white transition-colors'
+              : 'flex-1 px-3 py-2 text-xs font-medium bg-white dark:bg-gray-700 text-gray-700 dark:text-gray-300 hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors'">
+            {{ 'priminfo.unfall_ohn' | translate }}
+          </button>
+          <button type="button"
+            (click)="unfall.set('MIT-UNF')"
+            [class]="unfall() === 'MIT-UNF'
+              ? 'flex-1 px-3 py-2 text-xs font-medium bg-emerald-600 text-white border-l border-gray-300 dark:border-gray-600 transition-colors'
+              : 'flex-1 px-3 py-2 text-xs font-medium bg-white dark:bg-gray-700 text-gray-700 dark:text-gray-300 border-l border-gray-300 dark:border-gray-600 hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors'">
+            {{ 'priminfo.unfall_mit' | translate }}
+          </button>
+        </div>
+      </div>
+    </div>
+
+    <!-- Unfall note -->
+    <p class="mt-3 text-xs text-gray-400 dark:text-gray-500 flex items-start gap-1.5">
+      <svg class="w-3.5 h-3.5 mt-0.5 flex-shrink-0 text-gray-400" fill="currentColor" viewBox="0 0 20 20">
+        <path fill-rule="evenodd" d="M18 10a8 8 0 11-16 0 8 8 0 0116 0zm-7-4a1 1 0 11-2 0 1 1 0 012 0zM9 9a1 1 0 000 2v3a1 1 0 001 1h1a1 1 0 100-2v-3a1 1 0 00-1-1H9z" clip-rule="evenodd"/>
+      </svg>
+      {{ 'priminfo.unfall_note' | translate }}
+    </p>
+
+    <!-- Vergleichen button -->
+    <div class="mt-4 flex items-center gap-3">
+      <button (click)="searchVergleich()"
+        [disabled]="!canVergleich() || vergleichLoading()"
+        class="flex items-center gap-2 px-4 py-2.5 bg-emerald-600 hover:bg-emerald-700 disabled:opacity-50 disabled:cursor-not-allowed text-white text-sm font-medium rounded-lg transition-colors">
+        @if (vergleichLoading()) {
+          <svg class="w-4 h-4 animate-spin" fill="none" viewBox="0 0 24 24">
+            <circle class="opacity-25" cx="12" cy="12" r="10" stroke="currentColor" stroke-width="4"></circle>
+            <path class="opacity-75" fill="currentColor" d="M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4z"></path>
+          </svg>
+        } @else {
+          <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M3 7h13m0 0a3 3 0 1 1 6 0 3 3 0 0 1-6 0Zm6 7H4m0 0a3 3 0 1 0-6 0 3 3 0 0 0 6 0Z"/>
+          </svg>
+        }
+        {{ 'priminfo.vergleich_btn' | translate }}
+      </button>
+      @if (!canVergleich() && !vergleichLoading()) {
+        <p class="text-xs text-gray-400 dark:text-gray-500">{{ 'priminfo.plz_hint' | translate }} + {{ 'priminfo.geburtsjahr_label' | translate | lowercase }}</p>
+      }
+    </div>
+  </div>
+
+  <!-- Vergleich Error -->
+  @if (vergleichError()) {
+    <div class="bg-amber-50 dark:bg-amber-900/20 border border-amber-200 dark:border-amber-800 rounded-xl p-4 flex items-start gap-3">
+      <svg class="w-5 h-5 text-amber-500 flex-shrink-0 mt-0.5" fill="currentColor" viewBox="0 0 20 20">
+        <path fill-rule="evenodd" d="M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z" clip-rule="evenodd"/>
+      </svg>
+      <p class="text-sm text-amber-700 dark:text-amber-300">{{ 'priminfo.error_not_found' | translate }}</p>
+    </div>
+  }
+
+  <!-- Vergleich Results Table -->
+  @if (vergleichResults().length > 0) {
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-emerald-200 dark:border-emerald-800 overflow-hidden">
+
+      <!-- Table header bar -->
+      <div class="px-5 py-3 border-b border-emerald-100 dark:border-emerald-900 bg-emerald-50 dark:bg-emerald-900/20 flex items-center justify-between gap-3 flex-wrap">
+        <div class="flex items-center gap-2 text-sm font-semibold text-emerald-900 dark:text-emerald-200">
+          <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M3 7h13m0 0a3 3 0 1 1 6 0 3 3 0 0 1-6 0Zm6 7H4m0 0a3 3 0 1 0-6 0 3 3 0 0 0 6 0Z"/>
+          </svg>
+          {{ vergleichMeta()?.ort }} · {{ 'priminfo.region_label' | translate }} {{ vergleichMeta()?.region }}
+        </div>
+        <div class="flex items-center gap-2 flex-wrap">
+          <span class="px-2 py-0.5 rounded text-xs font-medium bg-emerald-100 dark:bg-emerald-900/40 text-emerald-700 dark:text-emerald-300">
+            {{ 'priminfo.vergleich_data_year' | translate : { year: vergleichMeta()?.data_year } }}
+          </span>
+          <span class="text-xs text-emerald-700 dark:text-emerald-300">
+            {{ vergleichResults().length }} {{ 'priminfo.vergleich_hint' | translate }}
+          </span>
+        </div>
+      </div>
+
+      <!-- Scrollable table -->
+      <div class="overflow-x-auto">
+        <table class="w-full text-sm">
+          <thead>
+            <tr class="border-b border-gray-100 dark:border-gray-700">
+              <th class="px-4 py-3 text-left text-xs font-semibold text-gray-500 dark:text-gray-400 w-8">{{ 'priminfo.col_rank' | translate }}</th>
+              <th class="px-4 py-3 text-left text-xs font-semibold text-gray-500 dark:text-gray-400">{{ 'priminfo.col_insurer' | translate }}</th>
+              <th class="px-4 py-3 text-left text-xs font-semibold text-gray-500 dark:text-gray-400 hidden sm:table-cell">{{ 'priminfo.col_model' | translate }}</th>
+              <th class="px-4 py-3 text-right text-xs font-semibold text-gray-500 dark:text-gray-400 hidden sm:table-cell">{{ 'priminfo.col_franchise' | translate }}</th>
+              <th class="px-4 py-3 text-right text-xs font-semibold text-gray-500 dark:text-gray-400">{{ 'priminfo.col_premium' | translate }}</th>
+            </tr>
+          </thead>
+          <tbody class="divide-y divide-gray-50 dark:divide-gray-700/50">
+            @for (r of vergleichResults(); track r.versicherer_id; let i = $index) {
+              <tr [class]="isCheapest(r.praemie)
+                  ? 'bg-emerald-50 dark:bg-emerald-900/10'
+                  : 'hover:bg-gray-50 dark:hover:bg-gray-700/30 transition-colors'">
+                <td class="px-4 py-3 text-xs text-gray-400 dark:text-gray-500 font-mono">{{ i + 1 }}</td>
+                <td class="px-4 py-3">
+                  <div class="flex items-center gap-2 flex-wrap">
+                    <span [class]="isCheapest(r.praemie)
+                        ? 'font-semibold text-emerald-700 dark:text-emerald-300'
+                        : 'text-gray-800 dark:text-gray-200'">
+                      {{ r.versicherer_name }}
+                    </span>
+                    @if (isCheapest(r.praemie)) {
+                      <span class="inline-flex items-center gap-1 px-1.5 py-0.5 rounded text-xs font-medium bg-emerald-100 dark:bg-emerald-900/40 text-emerald-700 dark:text-emerald-300">
+                        <svg class="w-3 h-3" fill="currentColor" viewBox="0 0 20 20">
+                          <path fill-rule="evenodd" d="M10 18a8 8 0 100-16 8 8 0 000 16zm3.707-9.293a1 1 0 00-1.414-1.414L9 10.586 7.707 9.293a1 1 0 00-1.414 1.414l2 2a1 1 0 001.414 0l4-4z" clip-rule="evenodd"/>
+                        </svg>
+                        {{ 'priminfo.cheapest_badge' | translate }}
+                      </span>
+                    }
+                  </div>
+                </td>
+                <td class="px-4 py-3 text-xs text-gray-500 dark:text-gray-400 hidden sm:table-cell max-w-[180px] truncate">
+                  {{ r.tarifbezeichnung }}
+                </td>
+                <td class="px-4 py-3 text-xs text-gray-500 dark:text-gray-400 text-right hidden sm:table-cell">
+                  CHF {{ r.franchise_chf }}
+                </td>
+                <td class="px-4 py-3 text-right">
+                  <span [class]="isCheapest(r.praemie)
+                      ? 'text-base font-bold text-emerald-700 dark:text-emerald-300'
+                      : 'text-sm font-semibold text-gray-800 dark:text-gray-200'">
+                    {{ r.praemie | number:'1.2-2' }}
+                  </span>
+                  <span class="text-xs text-gray-400 dark:text-gray-500"> CHF</span>
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+
+    </div>
+  } @else if (vergleichSearched() && !vergleichLoading() && !vergleichError()) {
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-emerald-200 dark:border-emerald-800 p-8 text-center">
+      <p class="text-sm text-gray-400 dark:text-gray-500">{{ 'priminfo.vergleich_no_results' | translate }}</p>
+    </div>
+  }
+
+  <!-- CTA: open official Priminfo -->
+  <div class="bg-violet-50 dark:bg-violet-900/20 border border-violet-200 dark:border-violet-800 rounded-xl p-5 flex items-center justify-between gap-4">
+    <div>
+      <p class="text-sm font-semibold text-violet-900 dark:text-violet-200">{{ 'priminfo.cta_title' | translate }}</p>
+      <p class="text-xs text-violet-700 dark:text-violet-300 mt-0.5">{{ 'priminfo.cta_text' | translate }}</p>
+    </div>
+    <button (click)="openPriminfo()"
+      class="shrink-0 flex items-center gap-2 px-4 py-2 bg-violet-600 hover:bg-violet-700 text-white text-sm font-medium rounded-lg transition-colors">
+      <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M18 14v4.833A1.166 1.166 0 0 1 16.833 20H5.167A1.167 1.167 0 0 1 4 18.833V7.167A1.166 1.166 0 0 1 5.167 6h4.618m4.447-2H20v5.768m-7.889 2.121 7.778-7.778"/>
+      </svg>
+      {{ 'priminfo.cta_btn' | translate }}
+    </button>
+  </div>
+
+  <!-- Info box -->
+  <div class="bg-gray-50 dark:bg-gray-700/40 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+    <h2 class="text-sm font-semibold text-gray-700 dark:text-gray-300 mb-3">{{ 'priminfo.info_title' | translate }}</h2>
+    <div class="space-y-2 text-xs text-gray-500 dark:text-gray-400">
+      <p>{{ 'priminfo.info_1' | translate }}</p>
+      <p>{{ 'priminfo.info_2' | translate }}</p>
+      <p>{{ 'priminfo.info_3' | translate }}</p>
+    </div>
+    <p class="mt-3 text-xs text-gray-400 dark:text-gray-500">
+      {{ 'priminfo.source' | translate }}
+      <a href="https://www.priminfo.admin.ch" target="_blank" rel="noopener noreferrer"
+        class="text-violet-600 dark:text-violet-400 hover:underline">priminfo.admin.ch</a>
+    </p>
+  </div>
+
+</div>
@@ -0,0 +1,209 @@
+import { Component, signal, computed } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { TranslateModule } from '@ngx-translate/core';
+import { ApiService } from '../../services/api';
+
+export interface PraemienResult {
+  plz: string;
+  ort: string;
+  kanton: string;
+  region: number;
+  gemeinde: string;
+  bezirk: string;
+  avg_adult: number;
+  avg_young_adult: number;
+  avg_child: number;
+  data_year: number;
+}
+
+export interface VergleichResult {
+  versicherer_id: number;
+  versicherer_name: string;
+  tarifbezeichnung: string;
+  franchise_chf: number;
+  praemie: string;
+}
+
+interface FranchiseOption {
+  code: string;
+  chf: number;
+  label: string;
+}
+
+const FRANCHISE_ERW: FranchiseOption[] = [
+  { code: 'FRAST1', chf: 300,  label: "CHF 300" },
+  { code: 'FRAST2', chf: 500,  label: "CHF 500" },
+  { code: 'FRAST3', chf: 1000, label: "CHF 1'000" },
+  { code: 'FRAST4', chf: 1500, label: "CHF 1'500" },
+  { code: 'FRAST5', chf: 2000, label: "CHF 2'000" },
+  { code: 'FRAST6', chf: 2500, label: "CHF 2'500" },
+];
+
+const FRANCHISE_KIN_JUG: FranchiseOption[] = [
+  { code: 'FRAST1', chf: 0,   label: "CHF 0" },
+  { code: 'FRAST2', chf: 100, label: "CHF 100" },
+  { code: 'FRAST3', chf: 200, label: "CHF 200" },
+  { code: 'FRAST4', chf: 300, label: "CHF 300" },
+  { code: 'FRAST5', chf: 400, label: "CHF 400" },
+  { code: 'FRAST6', chf: 500, label: "CHF 500" },
+  { code: 'FRAST7', chf: 600, label: "CHF 600" },
+];
+
+@Component({
+  selector: 'app-priminfo',
+  standalone: true,
+  imports: [CommonModule, FormsModule, TranslateModule],
+  templateUrl: './priminfo.html',
+})
+export class Priminfo {
+  // === Ø-Prämien (PLZ overview) ===
+  plzInput = signal('');
+  loading = signal(false);
+  results = signal<PraemienResult[]>([]);
+  dataYear = signal<number | null>(null);
+  error = signal<string | null>(null);
+  searched = signal(false);
+
+  // === Versicherer-Vergleich ===
+  geburtsjahrInput = signal('');
+  tariftyp = signal('TAR-BASE');
+  franchisestufe = signal('FRAST1');
+  unfall = signal('OHN-UNF');
+  vergleichResults = signal<VergleichResult[]>([]);
+  vergleichLoading = signal(false);
+  vergleichError = signal<string | null>(null);
+  vergleichSearched = signal(false);
+  vergleichMeta = signal<{
+    kanton: string; region: number; ort: string; altersklasse: string; data_year: number;
+  } | null>(null);
+
+  readonly primInfoUrl = 'https://www.priminfo.admin.ch/de/praemien';
+
+  // Computed: age class from Geburtsjahr input
+  ageClass = computed<'AKL-KIN' | 'AKL-JUG' | 'AKL-ERW' | null>(() => {
+    const jg = parseInt(this.geburtsjahrInput(), 10);
+    const currentYear = new Date().getFullYear();
+    if (!jg || jg < 1900 || jg > currentYear) return null;
+    const age = currentYear - jg;
+    if (age <= 18) return 'AKL-KIN';
+    if (age <= 25) return 'AKL-JUG';
+    return 'AKL-ERW';
+  });
+
+  // Computed: franchise options depend on age class
+  franchiseOptions = computed<FranchiseOption[]>(() => {
+    return this.ageClass() === 'AKL-ERW' ? FRANCHISE_ERW : FRANCHISE_KIN_JUG;
+  });
+
+  // Computed: deduplicate Ø-results by kanton+region
+  uniqueRegions = computed(() => {
+    const seen = new Set<string>();
+    return this.results().filter(r => {
+      const key = `${r.kanton}-${r.region}`;
+      if (seen.has(key)) return false;
+      seen.add(key);
+      return true;
+    });
+  });
+
+  // Computed: vergleich search requirements met?
+  canVergleich = computed(() => {
+    const plz = this.plzInput().trim();
+    const jg = parseInt(this.geburtsjahrInput(), 10);
+    const currentYear = new Date().getFullYear();
+    return /^\d{4}$/.test(plz) && jg >= 1900 && jg <= currentYear;
+  });
+
+  // Computed: minimum premium across results (for cheapest highlight)
+  cheapestPraemie = computed(() => {
+    const r = this.vergleichResults();
+    if (!r.length) return null;
+    return Math.min(...r.map(x => Number(x.praemie)));
+  });
+
+  constructor(private api: ApiService) {}
+
+  // === Ø-Prämien search ===
+  search() {
+    const plz = this.plzInput().trim();
+    if (!plz || plz.length < 4) return;
+
+    this.loading.set(true);
+    this.error.set(null);
+    this.results.set([]);
+    this.searched.set(true);
+
+    this.api.getPraemienByPlz(plz).subscribe({
+      next: (data) => {
+        this.results.set(data.results || []);
+        this.dataYear.set(data.data_year || null);
+        this.loading.set(false);
+      },
+      error: (err) => {
+        const msg = err?.error?.error || 'priminfo.error_not_found';
+        this.error.set(msg);
+        this.loading.set(false);
+      },
+    });
+  }
+
+  onKeydown(event: KeyboardEvent) {
+    if (event.key === 'Enter') this.search();
+  }
+
+  // Reset franchise to first valid option when age class changes
+  onGeburtsjahrChange(val: string) {
+    this.geburtsjahrInput.set(val);
+    const opts = this.franchiseOptions();
+    if (!opts.find(o => o.code === this.franchisestufe())) {
+      this.franchisestufe.set(opts[0].code);
+    }
+  }
+
+  // === Versicherer-Vergleich search ===
+  searchVergleich() {
+    if (!this.canVergleich()) return;
+    const plz = this.plzInput().trim();
+    const jg = parseInt(this.geburtsjahrInput(), 10);
+
+    this.vergleichLoading.set(true);
+    this.vergleichError.set(null);
+    this.vergleichResults.set([]);
+    this.vergleichSearched.set(true);
+
+    this.api.getPraemienVergleich({
+      plz,
+      geburtsjahr: jg,
+      tariftyp: this.tariftyp(),
+      franchisestufe: this.franchisestufe(),
+      unfall: this.unfall(),
+    }).subscribe({
+      next: (data) => {
+        this.vergleichResults.set(data.results || []);
+        this.vergleichMeta.set({
+          kanton: data.kanton,
+          region: data.region,
+          ort: data.ort,
+          altersklasse: data.altersklasse,
+          data_year: data.data_year,
+        });
+        this.vergleichLoading.set(false);
+      },
+      error: (err) => {
+        const msg = err?.error?.error || 'priminfo.error_not_found';
+        this.vergleichError.set(msg);
+        this.vergleichLoading.set(false);
+      },
+    });
+  }
+
+  isCheapest(praemie: string): boolean {
+    const min = this.cheapestPraemie();
+    return min !== null && Number(praemie) === min;
+  }
+
+  openPriminfo() {
+    window.open(this.primInfoUrl, '_blank', 'noopener,noreferrer');
+  }
+}
@@ -157,6 +157,67 @@
        }
      </li>

+      <!-- Versicherungen -->
+      <li class="relative">
+        @if (sidebarService.collapsed()) {
+          <!-- Collapsed: icon button opens flyout -->
+          <button (click)="sidebarService.toggleFlyout('insurance')"
+            [class]="sidebarService.openFlyout() === 'insurance' ? 'bg-gray-100 dark:bg-gray-700' : ''"
+            class="relative flex items-center justify-center p-2 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700 group">
+            <svg class="w-6 h-6 flex-shrink-0 text-gray-400 group-hover:text-gray-900 dark:group-hover:text-white" fill="currentColor" viewBox="0 0 24 24">
+              <path fill-rule="evenodd" d="M11.644 3.066a1 1 0 0 1 .712 0l7 2.666A1 1 0 0 1 20 6.68a17.694 17.694 0 0 1-2.023 7.98 17.406 17.406 0 0 1-5.402 6.158 1 1 0 0 1-1.15 0 17.405 17.405 0 0 1-5.403-6.157A17.695 17.695 0 0 1 4 6.68a1 1 0 0 1 .644-.949l7-2.666Zm4.014 7.187a1 1 0 0 0-1.316-1.506l-3.296 2.884-.839-.838a1 1 0 0 0-1.414 1.414l1.5 1.5a1 1 0 0 0 1.366.046l4-3.5Z" clip-rule="evenodd"/>
+            </svg>
+            @if (sidebarService.openFlyout() !== 'insurance') {
+              <span class="pointer-events-none absolute left-full ml-3 top-1/2 -translate-y-1/2 px-2 py-1 text-xs font-medium text-white bg-gray-900 dark:bg-gray-700 rounded whitespace-nowrap opacity-0 group-hover:opacity-100 transition-opacity duration-150 z-50">
+                {{ 'sidebar.insurance' | translate }}
+              </span>
+            }
+          </button>
+          <!-- Flyout -->
+          @if (sidebarService.openFlyout() === 'insurance') {
+            <div class="absolute left-full top-0 ml-2 z-50 w-48 bg-white dark:bg-gray-800 border border-gray-200 dark:border-gray-700 rounded-lg shadow-lg py-1">
+              <p class="px-3 py-2 text-xs font-semibold text-gray-400 dark:text-gray-500 uppercase tracking-wider">{{ 'sidebar.insurance' | translate }}</p>
+              <a routerLink="/insurance" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_overview' | translate }}
+              </a>
+              <a routerLink="/insurance-documents" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_documents' | translate }}
+              </a>
+              <a routerLink="/insurance-analyse" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_analyse' | translate }}
+              </a>
+              <a routerLink="/insurance-priminfo" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_priminfo' | translate }}
+              </a>
+            </div>
+          }
+        } @else {
+          <!-- Expanded: Angular-controlled dropdown -->
+          <button type="button" (click)="sidebarService.toggleInsurance()"
+            class="flex items-center p-2 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700 group">
+            <svg class="w-6 h-6 flex-shrink-0 text-gray-400 group-hover:text-gray-900 dark:group-hover:text-white" fill="currentColor" viewBox="0 0 24 24">
+              <path fill-rule="evenodd" d="M11.644 3.066a1 1 0 0 1 .712 0l7 2.666A1 1 0 0 1 20 6.68a17.694 17.694 0 0 1-2.023 7.98 17.406 17.406 0 0 1-5.402 6.158 1 1 0 0 1-1.15 0 17.405 17.405 0 0 1-5.403-6.157A17.695 17.695 0 0 1 4 6.68a1 1 0 0 1 .644-.949l7-2.666Zm4.014 7.187a1 1 0 0 0-1.316-1.506l-3.296 2.884-.839-.838a1 1 0 0 0-1.414 1.414l1.5 1.5a1 1 0 0 0 1.366.046l4-3.5Z" clip-rule="evenodd"/>
+            </svg>
+            <span class="flex-1 ml-3 text-left whitespace-nowrap">{{ 'sidebar.insurance' | translate }}</span>
+            <svg [class.rotate-180]="sidebarService.insuranceOpen()" class="w-4 h-4 transition-transform duration-200" fill="currentColor" viewBox="0 0 20 20">
+              <path fill-rule="evenodd" d="M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z" clip-rule="evenodd"></path>
+            </svg>
+          </button>
+          @if (sidebarService.insuranceOpen()) {
+            <ul class="py-2 space-y-2">
+              <li><a routerLink="/insurance" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_overview' | translate }}</a></li>
+              <li><a routerLink="/insurance-documents" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_documents' | translate }}</a></li>
+              <li><a routerLink="/insurance-analyse" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_analyse' | translate }}</a></li>
+              <li><a routerLink="/insurance-priminfo" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_priminfo' | translate }}</a></li>
+            </ul>
+          }
+        }
+      </li>
+
    </ul>

    <!-- Mobile: Notifications, Theme, Profile, Logout (hidden on desktop — those are in the navbar) -->
@@ -194,4 +194,43 @@ export class ApiService {
  confirmPasswordReset(token: string, password: string): Observable<any> {
    return this.http.post(`${this.baseUrl}/auth/password-reset/confirm/`, { token, password });
  }
+
+  // Praemien
+  getPraemienByPlz(plz: string): Observable<any> {
+    return this.http.get(`${this.baseUrl}/praemien/?plz=${encodeURIComponent(plz)}`);
+  }
+
+  getPraemienVergleich(params: {
+    plz: string;
+    geburtsjahr: number;
+    tariftyp: string;
+    franchisestufe: string;
+    unfall: string;
+  }): Observable<any> {
+    const p = new URLSearchParams({
+      plz: params.plz,
+      geburtsjahr: String(params.geburtsjahr),
+      tariftyp: params.tariftyp,
+      franchisestufe: params.franchisestufe,
+      unfall: params.unfall,
+    });
+    return this.http.get(`${this.baseUrl}/praemien/vergleich/?${p}`);
+  }
+
+  // Insurances
+  getInsurances(): Observable<any[]> {
+    return this.http.get<any[]>(`${this.baseUrl}/insurances/`);
+  }
+
+  createInsurance(insurance: any): Observable<any> {
+    return this.http.post(`${this.baseUrl}/insurances/`, insurance);
+  }
+
+  updateInsurance(id: number, insurance: any): Observable<any> {
+    return this.http.put(`${this.baseUrl}/insurances/${id}/`, insurance);
+  }
+
+  deleteInsurance(id: number): Observable<any> {
+    return this.http.delete(`${this.baseUrl}/insurances/${id}/`);
+  }
 }
@@ -9,6 +9,7 @@ export class SidebarService {
  mobileOpen = signal(false);
  budgetsOpen = signal(false);
  accountsOpen = signal(false);
+  insuranceOpen = signal(false);

  toggle() {
    this.collapsed.update(v => !v);
@@ -31,6 +32,10 @@ export class SidebarService {
    this.accountsOpen.update(v => !v);
  }

+  toggleInsurance() {
+    this.insuranceOpen.update(v => !v);
+  }
+
  toggleFlyout(name: string) {
    this.openFlyout.update(current => current === name ? null : name);
  }
@@ -136,16 +136,6 @@
    "transactions": "Transaktionen",
    "deadlines": "Termine"
  },
-  "sidebar": {
-    "dashboard": "Dashboard",
-    "budgets": "Budgets",
-    "fixed_costs": "Fixkosten",
-    "expenses": "Ausgaben",
-    "calendar": "Kalender",
-    "accounts": "Konten",
-    "revenue_accounts": "Einnahmekonten",
-    "transactions": "Transaktionen"
-  },
  "dashboard": {
    "title": "Dashboard",
    "subtitle": "Finanzübersicht",
@@ -400,5 +390,134 @@
      "password_too_short": "Passwort muss mindestens 8 Zeichen lang sein.",
      "password_failed": "Passwort konnte nicht aktualisiert werden."
    }
+  },
+  "sidebar": {
+    "dashboard": "Dashboard",
+    "budgets": "Budget",
+    "fixed_costs": "Fixkosten",
+    "expenses": "Ausgaben",
+    "calendar": "Kalender",
+    "accounts": "Konten",
+    "revenue_accounts": "Einnahmenkonten",
+    "transactions": "Transaktionen",
+    "insurance": "Versicherungen",
+    "insurance_overview": "Übersicht",
+    "insurance_documents": "Dokumente",
+    "insurance_analyse": "Analyse",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Versicherungen",
+    "subtitle": "Deine aktuelle Versicherungssituation — Ist-Situation",
+    "add": "Versicherung hinzufügen",
+    "create_title": "Versicherung erfassen",
+    "edit_title": "Versicherung bearbeiten",
+    "list_title": "Deine Versicherungen",
+    "no_entries": "Noch keine Versicherungen erfasst.",
+    "loading": "Laden...",
+    "kpi_monthly": "Monatliche Prämien total",
+    "kpi_count": "Policen",
+    "kpi_covered": "Abgedeckte Typen",
+    "checklist_title": "Empfohlene Mindestabdeckung",
+    "checklist_hint": "Diese vier Versicherungen gelten in der Schweiz als Mindeststandard für jede Person.",
+    "label_type": "Versicherungsart",
+    "label_insurer": "Versicherer",
+    "label_policy_number": "Policennummer",
+    "label_premium": "Prämie (CHF)",
+    "label_period": "Zahlungsrhythmus",
+    "label_coverage": "Deckungssumme (CHF)",
+    "label_deductible": "Franchise (CHF)",
+    "label_valid_from": "Gültig ab",
+    "label_valid_until": "Gültig bis",
+    "label_notes": "Notizen",
+    "placeholder_insurer": "z.B. Helsana, AXA, CSS",
+    "placeholder_policy_number": "z.B. 12345678",
+    "month_short": "Mt.",
+    "types": {
+      "kvg": "Krankenkasse (KVG)",
+      "kk_zusatz": "KK-Zusatzversicherung",
+      "nbu": "Unfallversicherung (NBU)",
+      "haftpflicht": "Privathaftpflicht",
+      "hausrat": "Hausrat",
+      "mfz": "MFZ-Haftpflicht",
+      "rechtsschutz": "Rechtsschutz",
+      "saule_3a": "Säule 3a",
+      "leben": "Lebensversicherung",
+      "reise": "Reiseversicherung",
+      "other": "Sonstiges"
+    },
+    "period": {
+      "monthly": "Monatlich",
+      "quarterly": "Vierteljährlich",
+      "semi_annual": "Halbjährlich",
+      "annual": "Jährlich"
+    }
+  },
+  "insurance_docs": {
+    "title": "Versicherungsdokumente",
+    "subtitle": "Lade deine Policen hoch und lass sie von der KI analysieren",
+    "coming_soon_title": "PDF-Upload & KI-Analyse — Demnächst",
+    "coming_soon_text": "Lade deine Versicherungspolicen als PDF hoch. Die KI (Claude) extrahiert automatisch die wichtigsten Informationen."
+  },
+  "insurance_analyse": {
+    "title": "Versicherungsanalyse",
+    "subtitle": "Soll/Kann — Was brauchst du wirklich?",
+    "coming_soon_title": "Deckungsanalyse — Demnächst",
+    "coming_soon_text": "Vergleiche deine aktuelle Versicherungssituation mit Schweizer Empfehlungen und erkenne Lücken.",
+    "tag_soll": "Soll-Situation",
+    "tag_gaps": "Deckungslücken",
+    "tag_recommendations": "Empfehlungen"
+  },
+  "priminfo": {
+    "title": "Priminfo — KVG-Prämienrechner",
+    "subtitle": "Durchschnittliche Monatsprämien nach PLZ, basierend auf BAG-Daten",
+    "plz_label": "Postleitzahl eingeben",
+    "plz_placeholder": "z.B. 8001",
+    "plz_hint": "4-stellige Schweizer Postleitzahl",
+    "search": "Suchen",
+    "region_label": "Prämienregion",
+    "col_child": "Kinder",
+    "col_young": "Junge Erwachsene",
+    "col_adult": "Erwachsene",
+    "month": "Monat",
+    "disclaimer": "Ø-Monatsprämien {{ year }} (alle Versicherer, alle Modelle). Quelle: BAG / Priminfo.",
+    "multi_ort_hint": "Diese PLZ liegt in mehreren Gemeinden oder Regionen.",
+    "error_not_found": "Keine Daten für diese PLZ gefunden.",
+    "no_results": "Keine Resultate.",
+    "cta_title": "Weitere Details auf priminfo.admin.ch",
+    "cta_text": "Jahreskosten, historische Prämienverläufe und Zusatzversicherungen auf der offiziellen BAG-Seite.",
+    "cta_btn": "Jetzt auf Priminfo vergleichen",
+    "info_title": "Was zeigt dieser Rechner?",
+    "info_1": "Die Prämien sind kantonale Durchschnittswerte über alle Versicherer und alle Versicherungsmodelle (Standard, Hausarzt, HMO, Telemed).",
+    "info_2": "Die Prämienregion (1, 2 oder 3) bestimmt die Prämienhöhe innerhalb eines Kantons — Region 1 ist meist am teuersten.",
+    "info_3": "Für den genauen Prämienvergleich nach Versicherer und Franchise empfehlen wir den offiziellen Rechner auf priminfo.admin.ch.",
+    "source": "Quelle: BAG — ",
+    "vergleich_card_title": "Versicherer vergleichen",
+    "vergleich_card_subtitle": "Granulare Prämien nach Versicherer, Modell und Franchise",
+    "geburtsjahr_label": "Geburtsjahr",
+    "geburtsjahr_placeholder": "z.B. 1990",
+    "modell_label": "Versicherungsmodell",
+    "modell_base": "Standard",
+    "modell_ham": "Hausarzt (HÄM)",
+    "modell_hmo": "HMO",
+    "modell_div": "Andere Modelle",
+    "franchise_label": "Franchise",
+    "unfall_label": "Unfalldeckung",
+    "unfall_ohn": "Ohne Unfall",
+    "unfall_mit": "Mit Unfall",
+    "unfall_note": "Angestellte können die Unfalldeckung weglassen, wenn der Arbeitgeber eine NBU-Versicherung abschliesst.",
+    "vergleich_btn": "Versicherer vergleichen",
+    "col_rank": "#",
+    "col_insurer": "Versicherer",
+    "col_model": "Modell",
+    "col_franchise": "Franchise",
+    "col_premium": "Prämie/Mt.",
+    "cheapest_badge": "Günstigste",
+    "vergleich_data_year": "Prämien {{ year }}",
+    "vergleich_no_results": "Keine Versicherer für diese Kombination gefunden. Andere Modell- oder Franchisewahl versuchen.",
+    "vergleich_hint": "Versicherer, sortiert nach Prämie aufsteigend.",
+    "age_child": "Kind (≤ 18 J.)",
+    "age_young": "Junger Erw. (19–25 J.)",
+    "age_adult": "Erwachsener (≥ 26 J.)"
  }
 }
@@ -136,16 +136,6 @@
    "transactions": "Transactions",
    "deadlines": "Deadlines"
  },
-  "sidebar": {
-    "dashboard": "Dashboard",
-    "budgets": "Budgets",
-    "fixed_costs": "Fixed Costs",
-    "expenses": "Expenses",
-    "calendar": "Calendar",
-    "accounts": "Accounts",
-    "revenue_accounts": "Revenue Accounts",
-    "transactions": "Transactions"
-  },
  "dashboard": {
    "title": "Dashboard",
    "subtitle": "Financial overview",
@@ -400,5 +390,134 @@
      "password_too_short": "Password must be at least 8 characters.",
      "password_failed": "Failed to update password."
    }
+  },
+  "sidebar": {
+    "dashboard": "Dashboard",
+    "budgets": "Budgets",
+    "fixed_costs": "Fixed Costs",
+    "expenses": "Expenses",
+    "calendar": "Calendar",
+    "accounts": "Accounts",
+    "revenue_accounts": "Revenue Accounts",
+    "transactions": "Transactions",
+    "insurance": "Insurances",
+    "insurance_overview": "Overview",
+    "insurance_documents": "Documents",
+    "insurance_analyse": "Analysis",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Insurances",
+    "subtitle": "Your current insurance coverage — Ist-Situation",
+    "add": "Add Insurance",
+    "create_title": "Add Insurance",
+    "edit_title": "Edit Insurance",
+    "list_title": "Your Insurances",
+    "no_entries": "No insurances recorded yet.",
+    "loading": "Loading...",
+    "kpi_monthly": "Monthly Total",
+    "kpi_count": "Policies",
+    "kpi_covered": "Types Covered",
+    "checklist_title": "Recommended Coverage",
+    "checklist_hint": "These four insurances are the Swiss minimum recommended for every person.",
+    "label_type": "Insurance Type",
+    "label_insurer": "Insurer",
+    "label_policy_number": "Policy Number",
+    "label_premium": "Premium (CHF)",
+    "label_period": "Period",
+    "label_coverage": "Coverage (CHF)",
+    "label_deductible": "Deductible (CHF)",
+    "label_valid_from": "Valid From",
+    "label_valid_until": "Valid Until",
+    "label_notes": "Notes",
+    "placeholder_insurer": "e.g. Helsana, AXA, CSS",
+    "placeholder_policy_number": "e.g. 12345678",
+    "month_short": "mo",
+    "types": {
+      "kvg": "Health Insurance (KVG)",
+      "kk_zusatz": "Supplemental Health",
+      "nbu": "Accident (NBU)",
+      "haftpflicht": "Private Liability",
+      "hausrat": "Household Contents",
+      "mfz": "Vehicle Liability",
+      "rechtsschutz": "Legal Protection",
+      "saule_3a": "Pillar 3a",
+      "leben": "Life Insurance",
+      "reise": "Travel Insurance",
+      "other": "Other"
+    },
+    "period": {
+      "monthly": "Monthly",
+      "quarterly": "Quarterly",
+      "semi_annual": "Semi-annual",
+      "annual": "Annual"
+    }
+  },
+  "insurance_docs": {
+    "title": "Insurance Documents",
+    "subtitle": "Upload and analyse your insurance policies with AI",
+    "coming_soon_title": "PDF Upload & AI Analysis — Coming Soon",
+    "coming_soon_text": "Upload your insurance policies as PDF. The AI (Claude) will extract the most important information automatically."
+  },
+  "insurance_analyse": {
+    "title": "Insurance Analysis",
+    "subtitle": "Soll/Kann — What coverage do you need?",
+    "coming_soon_title": "Coverage Analysis — Coming Soon",
+    "coming_soon_text": "Compare your current coverage with Swiss recommendations and identify gaps.",
+    "tag_soll": "Target Coverage",
+    "tag_gaps": "Coverage Gaps",
+    "tag_recommendations": "Recommendations"
+  },
+  "priminfo": {
+    "title": "Priminfo — KVG Premium Calculator",
+    "subtitle": "Average monthly premiums by postal code, based on FOPH data",
+    "plz_label": "Enter postal code",
+    "plz_placeholder": "e.g. 8001",
+    "plz_hint": "4-digit Swiss postal code",
+    "search": "Search",
+    "region_label": "Premium Region",
+    "col_child": "Children",
+    "col_young": "Young Adults",
+    "col_adult": "Adults",
+    "month": "month",
+    "disclaimer": "Avg. monthly premiums {{ year }} (all insurers, all models). Source: FOPH / Priminfo.",
+    "multi_ort_hint": "This postal code covers multiple municipalities or regions.",
+    "error_not_found": "No data found for this postal code.",
+    "no_results": "No results.",
+    "cta_title": "More details at priminfo.admin.ch",
+    "cta_text": "Annual costs, premium history and supplemental insurance on the official FOPH website.",
+    "cta_btn": "Compare on Priminfo",
+    "info_title": "What does this calculator show?",
+    "info_1": "Premiums are cantonal averages across all insurers and all insurance models (standard, family doctor, HMO, telemedicine).",
+    "info_2": "The premium region (1, 2 or 3) determines the premium level within a canton — region 1 is usually the most expensive.",
+    "info_3": "For a precise comparison by insurer and deductible, we recommend the official calculator at priminfo.admin.ch.",
+    "source": "Source: FOPH — ",
+    "vergleich_card_title": "Compare Insurers",
+    "vergleich_card_subtitle": "Granular premiums by insurer, model and deductible",
+    "geburtsjahr_label": "Year of Birth",
+    "geburtsjahr_placeholder": "e.g. 1990",
+    "modell_label": "Insurance Model",
+    "modell_base": "Standard",
+    "modell_ham": "GP Model (HÄM)",
+    "modell_hmo": "HMO",
+    "modell_div": "Other Models",
+    "franchise_label": "Deductible",
+    "unfall_label": "Accident Coverage",
+    "unfall_ohn": "Without Accident",
+    "unfall_mit": "With Accident",
+    "unfall_note": "Employees can exclude accident coverage if their employer has a non-occupational accident insurance (NBIA).",
+    "vergleich_btn": "Compare Insurers",
+    "col_rank": "#",
+    "col_insurer": "Insurer",
+    "col_model": "Model",
+    "col_franchise": "Deductible",
+    "col_premium": "Premium/Mo.",
+    "cheapest_badge": "Cheapest",
+    "vergleich_data_year": "Premiums {{ year }}",
+    "vergleich_no_results": "No insurers found for this combination. Try a different model or deductible.",
+    "vergleich_hint": "Insurers sorted by premium ascending.",
+    "age_child": "Child (≤ 18 yrs)",
+    "age_young": "Young Adult (19–25 yrs)",
+    "age_adult": "Adult (≥ 26 yrs)"
  }
 }
@@ -136,16 +136,6 @@
    "transactions": "Transactions",
    "deadlines": "Échéances"
  },
-  "sidebar": {
-    "dashboard": "Tableau de bord",
-    "budgets": "Budgets",
-    "fixed_costs": "Charges fixes",
-    "expenses": "Dépenses",
-    "calendar": "Calendrier",
-    "accounts": "Comptes",
-    "revenue_accounts": "Comptes de revenus",
-    "transactions": "Transactions"
-  },
  "dashboard": {
    "title": "Tableau de bord",
    "subtitle": "Aperçu financier",
@@ -400,5 +390,134 @@
      "password_too_short": "Le mot de passe doit comporter au moins 8 caractères.",
      "password_failed": "Échec de la mise à jour du mot de passe."
    }
+  },
+  "sidebar": {
+    "dashboard": "Tableau de bord",
+    "budgets": "Budgets",
+    "fixed_costs": "Charges fixes",
+    "expenses": "Dépenses",
+    "calendar": "Calendrier",
+    "accounts": "Comptes",
+    "revenue_accounts": "Comptes de revenus",
+    "transactions": "Transactions",
+    "insurance": "Assurances",
+    "insurance_overview": "Aperçu",
+    "insurance_documents": "Documents",
+    "insurance_analyse": "Analyse",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Assurances",
+    "subtitle": "Votre couverture d'assurance actuelle — Situation actuelle",
+    "add": "Ajouter une assurance",
+    "create_title": "Nouvelle assurance",
+    "edit_title": "Modifier l'assurance",
+    "list_title": "Vos assurances",
+    "no_entries": "Aucune assurance enregistrée.",
+    "loading": "Chargement...",
+    "kpi_monthly": "Total mensuel",
+    "kpi_count": "Polices",
+    "kpi_covered": "Types couverts",
+    "checklist_title": "Couverture minimale recommandée",
+    "checklist_hint": "Ces quatre assurances constituent le minimum recommandé en Suisse pour chaque personne.",
+    "label_type": "Type d'assurance",
+    "label_insurer": "Assureur",
+    "label_policy_number": "Numéro de police",
+    "label_premium": "Prime (CHF)",
+    "label_period": "Fréquence de paiement",
+    "label_coverage": "Montant assuré (CHF)",
+    "label_deductible": "Franchise (CHF)",
+    "label_valid_from": "Valable dès",
+    "label_valid_until": "Valable jusqu'au",
+    "label_notes": "Remarques",
+    "placeholder_insurer": "ex. Helsana, AXA, CSS",
+    "placeholder_policy_number": "ex. 12345678",
+    "month_short": "mois",
+    "types": {
+      "kvg": "Assurance maladie (LAMal)",
+      "kk_zusatz": "Assurance complémentaire",
+      "nbu": "Accident (LAA)",
+      "haftpflicht": "Responsabilité civile",
+      "hausrat": "Ménage",
+      "mfz": "RC véhicule",
+      "rechtsschutz": "Protection juridique",
+      "saule_3a": "Pilier 3a",
+      "leben": "Assurance vie",
+      "reise": "Assurance voyage",
+      "other": "Autre"
+    },
+    "period": {
+      "monthly": "Mensuel",
+      "quarterly": "Trimestriel",
+      "semi_annual": "Semestriel",
+      "annual": "Annuel"
+    }
+  },
+  "insurance_docs": {
+    "title": "Documents d'assurance",
+    "subtitle": "Téléchargez vos polices et faites-les analyser par l'IA",
+    "coming_soon_title": "Upload PDF & analyse IA — Bientôt disponible",
+    "coming_soon_text": "Téléchargez vos polices d'assurance en PDF. L'IA (Claude) extrait automatiquement les informations les plus importantes."
+  },
+  "insurance_analyse": {
+    "title": "Analyse des assurances",
+    "subtitle": "Cible — Quelle couverture vous faut-il ?",
+    "coming_soon_title": "Analyse de couverture — Bientôt disponible",
+    "coming_soon_text": "Comparez votre situation actuelle avec les recommandations suisses et identifiez les lacunes.",
+    "tag_soll": "Situation cible",
+    "tag_gaps": "Lacunes",
+    "tag_recommendations": "Recommandations"
+  },
+  "priminfo": {
+    "title": "Priminfo — Calculateur de primes LAMal",
+    "subtitle": "Primes mensuelles moyennes par NPA, basées sur les données de l'OFSP",
+    "plz_label": "Entrez votre NPA",
+    "plz_placeholder": "ex. 8001",
+    "plz_hint": "Code postal suisse à 4 chiffres",
+    "search": "Rechercher",
+    "region_label": "Région de primes",
+    "col_child": "Enfants",
+    "col_young": "Jeunes adultes",
+    "col_adult": "Adultes",
+    "month": "mois",
+    "disclaimer": "Primes mensuelles moyennes {{ year }} (tous assureurs, tous modèles). Source : OFSP / Priminfo.",
+    "multi_ort_hint": "Ce NPA couvre plusieurs communes ou régions.",
+    "error_not_found": "Aucune donnée trouvée pour ce NPA.",
+    "no_results": "Aucun résultat.",
+    "cta_title": "Plus de détails sur priminfo.admin.ch",
+    "cta_text": "Coûts annuels, historique des primes et assurances complémentaires sur le site officiel de l'OFSP.",
+    "cta_btn": "Comparer sur Priminfo",
+    "info_title": "Que montre ce calculateur ?",
+    "info_1": "Les primes sont des moyennes cantonales calculées sur l'ensemble des assureurs et des modèles d'assurance (standard, médecin de famille, HMO, télémédecine).",
+    "info_2": "La région de primes (1, 2 ou 3) détermine le niveau des primes au sein d'un canton — la région 1 est généralement la plus chère.",
+    "info_3": "Pour une comparaison précise par assureur et par franchise, nous recommandons le calculateur officiel sur priminfo.admin.ch.",
+    "source": "Source : OFSP — ",
+    "vergleich_card_title": "Comparer les assureurs",
+    "vergleich_card_subtitle": "Primes détaillées par assureur, modèle et franchise",
+    "geburtsjahr_label": "Année de naissance",
+    "geburtsjahr_placeholder": "p.ex. 1990",
+    "modell_label": "Modèle d'assurance",
+    "modell_base": "Standard",
+    "modell_ham": "Médecin de famille",
+    "modell_hmo": "HMO",
+    "modell_div": "Autres modèles",
+    "franchise_label": "Franchise",
+    "unfall_label": "Couverture accidents",
+    "unfall_ohn": "Sans accidents",
+    "unfall_mit": "Avec accidents",
+    "unfall_note": "Les salariés peuvent exclure la couverture accidents si l'employeur a souscrit une assurance LAA.",
+    "vergleich_btn": "Comparer les assureurs",
+    "col_rank": "#",
+    "col_insurer": "Assureur",
+    "col_model": "Modèle",
+    "col_franchise": "Franchise",
+    "col_premium": "Prime/mois",
+    "cheapest_badge": "La moins chère",
+    "vergleich_data_year": "Primes {{ year }}",
+    "vergleich_no_results": "Aucun assureur trouvé pour cette combinaison. Essayez un autre modèle ou une autre franchise.",
+    "vergleich_hint": "Assureurs triés par prime croissante.",
+    "age_child": "Enfant (≤ 18 ans)",
+    "age_young": "Jeune adulte (19–25 ans)",
+    "age_adult": "Adulte (≥ 26 ans)"
  }
 }
@@ -136,16 +136,6 @@
    "transactions": "Transazioni",
    "deadlines": "Scadenze"
  },
-  "sidebar": {
-    "dashboard": "Dashboard",
-    "budgets": "Budget",
-    "fixed_costs": "Costi fissi",
-    "expenses": "Spese",
-    "calendar": "Calendario",
-    "accounts": "Conti",
-    "revenue_accounts": "Conti entrate",
-    "transactions": "Transazioni"
-  },
  "dashboard": {
    "title": "Dashboard",
    "subtitle": "Panoramica finanziaria",
@@ -400,5 +390,134 @@
      "password_too_short": "La password deve contenere almeno 8 caratteri.",
      "password_failed": "Aggiornamento password fallito."
    }
+  },
+  "sidebar": {
+    "dashboard": "Dashboard",
+    "budgets": "Budget",
+    "fixed_costs": "Costi fissi",
+    "expenses": "Spese",
+    "calendar": "Calendario",
+    "accounts": "Conti",
+    "revenue_accounts": "Conti entrate",
+    "transactions": "Transazioni",
+    "insurance": "Assicurazioni",
+    "insurance_overview": "Panoramica",
+    "insurance_documents": "Documenti",
+    "insurance_analyse": "Analisi",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Assicurazioni",
+    "subtitle": "La tua copertura assicurativa attuale — Situazione attuale",
+    "add": "Aggiungi assicurazione",
+    "create_title": "Nuova assicurazione",
+    "edit_title": "Modifica assicurazione",
+    "list_title": "Le tue assicurazioni",
+    "no_entries": "Nessuna assicurazione registrata.",
+    "loading": "Caricamento...",
+    "kpi_monthly": "Totale mensile",
+    "kpi_count": "Polizze",
+    "kpi_covered": "Tipi coperti",
+    "checklist_title": "Copertura minima raccomandata",
+    "checklist_hint": "Queste quattro assicurazioni sono il minimo raccomandato in Svizzera per ogni persona.",
+    "label_type": "Tipo di assicurazione",
+    "label_insurer": "Assicuratore",
+    "label_policy_number": "Numero polizza",
+    "label_premium": "Premio (CHF)",
+    "label_period": "Frequenza di pagamento",
+    "label_coverage": "Somma assicurata (CHF)",
+    "label_deductible": "Franchigia (CHF)",
+    "label_valid_from": "Valido dal",
+    "label_valid_until": "Valido fino al",
+    "label_notes": "Note",
+    "placeholder_insurer": "es. Helsana, AXA, CSS",
+    "placeholder_policy_number": "es. 12345678",
+    "month_short": "mese",
+    "types": {
+      "kvg": "Cassa malati (LAMal)",
+      "kk_zusatz": "Assicurazione complementare",
+      "nbu": "Infortuni (LAINF)",
+      "haftpflicht": "Responsabilità civile privata",
+      "hausrat": "Economia domestica",
+      "mfz": "RC veicoli",
+      "rechtsschutz": "Tutela legale",
+      "saule_3a": "Pilastro 3a",
+      "leben": "Assicurazione vita",
+      "reise": "Assicurazione viaggio",
+      "other": "Altro"
+    },
+    "period": {
+      "monthly": "Mensile",
+      "quarterly": "Trimestrale",
+      "semi_annual": "Semestrale",
+      "annual": "Annuale"
+    }
+  },
+  "insurance_docs": {
+    "title": "Documenti assicurativi",
+    "subtitle": "Carica le tue polizze e falle analizzare dall'IA",
+    "coming_soon_title": "Upload PDF & analisi IA — In arrivo",
+    "coming_soon_text": "Carica le tue polizze assicurative in PDF. L'IA (Claude) estrae automaticamente le informazioni più importanti."
+  },
+  "insurance_analyse": {
+    "title": "Analisi assicurativa",
+    "subtitle": "Obiettivo — Di quale copertura hai bisogno?",
+    "coming_soon_title": "Analisi della copertura — In arrivo",
+    "coming_soon_text": "Confronta la tua situazione attuale con le raccomandazioni svizzere e identifica le lacune.",
+    "tag_soll": "Situazione obiettivo",
+    "tag_gaps": "Lacune di copertura",
+    "tag_recommendations": "Raccomandazioni"
+  },
+  "priminfo": {
+    "title": "Priminfo — Calcolatore premi LAMal",
+    "subtitle": "Premi mensili medi per CAP, basati sui dati dell'UFSP",
+    "plz_label": "Inserisci il CAP",
+    "plz_placeholder": "es. 8001",
+    "plz_hint": "Codice postale svizzero a 4 cifre",
+    "search": "Cerca",
+    "region_label": "Regione tariffale",
+    "col_child": "Bambini",
+    "col_young": "Giovani adulti",
+    "col_adult": "Adulti",
+    "month": "mese",
+    "disclaimer": "Premi mensili medi {{ year }} (tutti gli assicuratori, tutti i modelli). Fonte: UFSP / Priminfo.",
+    "multi_ort_hint": "Questo CAP comprende più comuni o regioni.",
+    "error_not_found": "Nessun dato trovato per questo CAP.",
+    "no_results": "Nessun risultato.",
+    "cta_title": "Ulteriori dettagli su priminfo.admin.ch",
+    "cta_text": "Costi annuali, storico dei premi e assicurazioni complementari sul sito ufficiale dell'UFSP.",
+    "cta_btn": "Confronta su Priminfo",
+    "info_title": "Cosa mostra questo calcolatore?",
+    "info_1": "I premi sono medie cantonali calcolate su tutti gli assicuratori e tutti i modelli assicurativi (standard, medico di famiglia, HMO, telemedicina).",
+    "info_2": "La regione tariffale (1, 2 o 3) determina il livello dei premi all'interno di un cantone — la regione 1 è generalmente la più cara.",
+    "info_3": "Per un confronto preciso per assicuratore e franchigia, consigliamo il calcolatore ufficiale su priminfo.admin.ch.",
+    "source": "Fonte: UFSP — ",
+    "vergleich_card_title": "Confronta assicuratori",
+    "vergleich_card_subtitle": "Premi dettagliati per assicuratore, modello e franchigia",
+    "geburtsjahr_label": "Anno di nascita",
+    "geburtsjahr_placeholder": "es. 1990",
+    "modell_label": "Modello assicurativo",
+    "modell_base": "Standard",
+    "modell_ham": "Medico di base",
+    "modell_hmo": "HMO",
+    "modell_div": "Altri modelli",
+    "franchise_label": "Franchigia",
+    "unfall_label": "Copertura infortuni",
+    "unfall_ohn": "Senza infortuni",
+    "unfall_mit": "Con infortuni",
+    "unfall_note": "I dipendenti possono escludere la copertura infortuni se il datore di lavoro ha stipulato un'assicurazione AINF.",
+    "vergleich_btn": "Confronta assicuratori",
+    "col_rank": "#",
+    "col_insurer": "Assicuratore",
+    "col_model": "Modello",
+    "col_franchise": "Franchigia",
+    "col_premium": "Premio/mese",
+    "cheapest_badge": "Più economico",
+    "vergleich_data_year": "Premi {{ year }}",
+    "vergleich_no_results": "Nessun assicuratore trovato per questa combinazione. Provare un altro modello o franchigia.",
+    "vergleich_hint": "Assicuratori ordinati per premio crescente.",
+    "age_child": "Bambino (≤ 18 anni)",
+    "age_young": "Giovane adulto (19–25 anni)",
+    "age_adult": "Adulto (≥ 26 anni)"
  }
 }