Luzerner Hinterland — Region 1 of canton Lucerne, 2026 premiums
Luzerner Hinterland covers the 5 municipalities of Region 1 in canton Lucerne. Its lowest adult premium here is CHF 323.40 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Luzerner Hinterland ranks 5 out of 25 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 498.12 a month.
What staying costs
Moving from Luzerner Hinterland to Atupri, the cheapest insurer in this region, saves CHF 249.60 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 502.55 | CHF 477.40 | CHF 472.40 |
| 500 | CHF 492.25 | CHF 465.75 | CHF 460.75 |
| 1'000 | CHF 461.70 | CHF 436.60 | CHF 431.55 |
| 1'500 | CHF 432.55 | CHF 407.40 | CHF 402.40 |
| 2'000 | CHF 403.40 | CHF 378.25 | CHF 373.25 |
| 2'500 | CHF 374.20 | CHF 349.10 | CHF 344.05 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 378.70 | CHF 359.80 | CHF 356.00 |
| 500 | CHF 367.05 | CHF 348.10 | CHF 344.35 |
| 1'000 | CHF 337.90 | CHF 318.95 | CHF 315.15 |
| 1'500 | CHF 308.70 | CHF 289.80 | CHF 286.00 |
| 2'000 | CHF 279.55 | CHF 260.60 | CHF 256.85 |
| 2'500 | CHF 250.40 | CHF 231.45 | CHF 227.65 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 81.50 | CHF 77.40 | CHF 76.60 |
| 100 | CHF 77.45 | CHF 73.40 | CHF 72.55 |
| 200 | CHF 73.45 | CHF 69.35 | CHF 68.55 |
| 300 | CHF 69.40 | CHF 65.35 | CHF 64.50 |
| 400 | CHF 65.40 | CHF 61.30 | CHF 60.50 |
| 500 | CHF 61.35 | CHF 57.30 | CHF 56.45 |
| 600 | CHF 57.35 | CHF 53.25 | CHF 52.45 |
With or without accident cover
With accident cover: CHF 502.55 a month. Without: CHF 472.40. Dropping it saves CHF 361.80 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 454.20 in 2025 to CHF 323.40 — a rise of 4.0 %.
The 5 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Lucerne, not to the municipality.
The other insurers in Region 1
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Atupri | CHF 451.60 | View |
| Sanitas | CHF 461.60 | View |
| Vivao Sympany | CHF 465.50 | View |
| Helsana | CHF 472.00 | View |
| CSS | CHF 473.80 | View |
| Avenir | CHF 475.40 | View |
| CONCORDIA | CHF 476.00 | View |
| Assura-Basis | CHF 478.80 | View |
| ÖKK | CHF 481.40 | View |
| sana24 | CHF 484.50 | View |
| EGK | CHF 491.60 | View |
| Galenos | CHF 495.30 | View |
| Agrisano | CHF 496.20 | View |
| SWICA | CHF 496.70 | View |
| KPT | CHF 498.70 | View |
| Aquilana | CHF 500.60 | View |
| Sumiswalder | CHF 504.50 | View |
| SLKK | CHF 508.90 | View |
| Philos | CHF 510.70 | View |
| Visana | CHF 529.70 | View |
| vita surselva | CHF 543.40 | View |
| rhenusana | CHF 547.90 | View |
| Mutuel | CHF 560.60 | View |
| Einsiedler | CHF 575.25 | View |
Source: Federal Office of Public Health (FOPH), official premiums.