Luzerner Hinterland — Region 3 of canton Bern, 2026 premiums
Luzerner Hinterland covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 346.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Luzerner Hinterland ranks 13 out of 26 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 501.58 a month.
What staying costs
Moving from Luzerner Hinterland to Agrisano, the cheapest insurer in this region, saves CHF 592.20 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 528.55 | CHF 502.10 | CHF 496.85 |
| 500 | CHF 516.90 | CHF 490.45 | CHF 485.15 |
| 1'000 | CHF 487.70 | CHF 461.30 | CHF 456.00 |
| 1'500 | CHF 458.55 | CHF 432.10 | CHF 426.85 |
| 2'000 | CHF 429.40 | CHF 402.95 | CHF 397.65 |
| 2'500 | CHF 400.20 | CHF 373.80 | CHF 368.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 423.00 | CHF 401.85 | CHF 397.60 |
| 500 | CHF 411.35 | CHF 390.20 | CHF 385.95 |
| 1'000 | CHF 382.15 | CHF 361.00 | CHF 356.80 |
| 1'500 | CHF 353.00 | CHF 331.85 | CHF 327.60 |
| 2'000 | CHF 323.85 | CHF 302.70 | CHF 298.45 |
| 2'500 | CHF 294.65 | CHF 273.50 | CHF 269.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 91.15 | CHF 86.60 | CHF 85.70 |
| 100 | CHF 87.15 | CHF 82.60 | CHF 81.70 |
| 200 | CHF 83.10 | CHF 78.55 | CHF 77.65 |
| 300 | CHF 79.10 | CHF 74.55 | CHF 73.65 |
| 400 | CHF 75.05 | CHF 70.50 | CHF 69.60 |
| 500 | CHF 71.05 | CHF 66.50 | CHF 65.60 |
| 600 | CHF 67.00 | CHF 62.45 | CHF 61.55 |
With or without accident cover
With accident cover: CHF 528.55 a month. Without: CHF 496.85. Dropping it saves CHF 380.40 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 473.20 in 2025 to CHF 346.40 — a rise of 5.0 %.
The 107 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Bern, not to the municipality.
Aarwangen · Adelboden · Aeschi bei Spiez · Affoltern im Emmental · Attiswil · Auswil · Bannwil · Beatenberg · Berken · Bettenhausen · Bleienbach · Boltigen · Brienz (BE) · Brienzwiler · Busswil bei Melchnau · Bönigen · Diemtigen · Därligen · Därstetten · Dürrenroth · Eggiwil · Eriswil · Erlenbach im Simmental · Farnern · Frutigen · Gondiswil · Graben · Grindelwald · Gsteig · Gsteigwiler · Guttannen · Gündlischwand · Habkern · Hasliberg · Heimenhausen · Herzogenbuchsee · Hofstetten bei Brienz · Huttwil · Inkwil · Innertkirchen · Interlaken · Iseltwald · Kandergrund · Kandersteg · Krattigen · Langenthal · Langnau im Emmental · Lauenen · Lauperswil · Lauterbrunnen · Leissigen · Lenk · Lotzwil · Lütschental · Lützelflüh · Madiswil · Matten bei Interlaken · Meiringen · Melchnau · Niederbipp · Niederried bei Interlaken · Niederönz · Oberbipp · Oberried am Brienzersee · Oberwil im Simmental · Ochlenberg · Oeschenbach · Reichenbach im Kandertal · Reisiswil · Ringgenberg (BE) · Roggwil (BE) · Rohrbach · Rohrbachgraben · Rumisberg · Röthenbach im Emmental · Rüderswil · Rüegsau · Rütschelen · Saanen · Saxeten · Schangnau · Schattenhalb · Schwanden bei Brienz · Schwarzhäusern · Seeberg · Signau · Spiez · St. Stephan · Stocken-Höfen · Sumiswald · Thunstetten · Thörigen · Trachselwald · Trub · Trubschachen · Unterseen · Ursenbach · Walliswil bei Niederbipp · Walliswil bei Wangen · Walterswil (BE) · Wangen an der Aare · Wiedlisbach · Wilderswil · Wimmis · Wynau · Wyssachen · Zweisimmen
The other insurers in Region 3
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 447.50 | View |
| Visana | CHF 465.50 | View |
| ÖKK | CHF 477.00 | View |
| Sumiswalder | CHF 481.30 | View |
| Helsana | CHF 483.60 | View |
| SWICA | CHF 485.90 | View |
| sana24 | CHF 487.80 | View |
| KPT | CHF 488.10 | View |
| Aquilana | CHF 491.00 | View |
| EGK | CHF 491.10 | View |
| Sanitas | CHF 495.45 | View |
| CONCORDIA | CHF 495.60 | View |
| CSS | CHF 497.00 | View |
| sodalis | CHF 498.00 | View |
| SLKK | CHF 498.30 | View |
| Assura-Basis | CHF 502.30 | View |
| Steffisburg | CHF 506.60 | View |
| Galenos | CHF 507.20 | View |
| Avenir | CHF 509.60 | View |
| Atupri | CHF 510.70 | View |
| Vivao Sympany | CHF 513.10 | View |
| Mutuel | CHF 529.00 | View |
| Philos | CHF 536.20 | View |
| vita surselva | CHF 563.35 | View |
| rhenusana | CHF 583.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums.