Luzerner Hinterland — Region 1 of canton Bern, 2026 premiums
Luzerner Hinterland covers the 15 municipalities of Region 1 in canton Bern. Its lowest adult premium here is CHF 476.25 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Luzerner Hinterland ranks 24 out of 26 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 593.80 a month.
What staying costs
Moving from Luzerner Hinterland to Visana, the cheapest insurer in this region, saves CHF 1'138.20 a year for an adult on the same profile.
The full Luzerner Hinterland table
156 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 675.50 | CHF 641.75 | CHF 634.95 |
| 500 | CHF 663.85 | CHF 630.05 | CHF 623.30 |
| 1'000 | CHF 634.65 | CHF 600.90 | CHF 594.15 |
| 1'500 | CHF 605.50 | CHF 571.75 | CHF 564.95 |
| 2'000 | CHF 576.35 | CHF 542.55 | CHF 535.80 |
| 2'500 | CHF 547.15 | CHF 513.40 | CHF 506.65 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 540.40 | CHF 513.40 | CHF 508.00 |
| 500 | CHF 528.75 | CHF 501.70 | CHF 496.30 |
| 1'000 | CHF 499.55 | CHF 472.55 | CHF 467.15 |
| 1'500 | CHF 470.40 | CHF 443.40 | CHF 438.00 |
| 2'000 | CHF 441.25 | CHF 414.20 | CHF 408.80 |
| 2'500 | CHF 412.05 | CHF 385.05 | CHF 379.65 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 114.85 | CHF 109.10 | CHF 107.95 |
| 100 | CHF 110.85 | CHF 105.15 | CHF 104.00 |
| 200 | CHF 106.90 | CHF 101.15 | CHF 100.00 |
| 300 | CHF 102.95 | CHF 97.20 | CHF 96.05 |
| 400 | CHF 98.95 | CHF 93.25 | CHF 92.10 |
| 500 | CHF 95.00 | CHF 89.25 | CHF 88.10 |
| 600 | CHF 91.05 | CHF 85.30 | CHF 84.15 |
With or without accident cover
With accident cover: CHF 675.50 a month. Without: CHF 634.95. Dropping it saves CHF 486.60 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 604.75 in 2025 to CHF 476.25 — a rise of 5.0 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Bern, not to the municipality.
Bern · Biel/Bienne · Bolligen · Bremgarten bei Bern · Evilard · Ittigen · Kirchlindach · Köniz · Muri bei Bern · Oberbalm · Ostermundigen · Stettlen · Vechigen · Wohlen bei Bern · Zollikofen
The other insurers in Region 1
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Visana | CHF 540.10 | View |
| Vivao Sympany | CHF 545.90 | View |
| Atupri | CHF 548.90 | View |
| Helsana | CHF 548.90 | View |
| Sanitas | CHF 552.30 | View |
| sana24 | CHF 571.80 | View |
| CSS | CHF 577.10 | View |
| KPT | CHF 578.10 | View |
| Steffisburg | CHF 581.10 | View |
| SWICA | CHF 582.70 | View |
| ÖKK | CHF 585.20 | View |
| Sumiswalder | CHF 586.50 | View |
| Assura-Basis | CHF 589.50 | View |
| CONCORDIA | CHF 590.80 | View |
| sodalis | CHF 598.20 | View |
| Mutuel | CHF 601.20 | View |
| EGK | CHF 603.40 | View |
| Avenir | CHF 606.70 | View |
| SLKK | CHF 607.70 | View |
| Philos | CHF 609.30 | View |
| Agrisano | CHF 611.30 | View |
| Aquilana | CHF 612.70 | View |
| Galenos | CHF 630.20 | View |
| vita surselva | CHF 646.00 | View |
| rhenusana | CHF 698.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.