Luzerner Hinterland — Region 3 of canton Lucerne, 2026 premiums
Luzerner Hinterland covers the 55 municipalities of Region 3 in canton Lucerne. Its lowest adult premium here is CHF 279.45 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Luzerner Hinterland ranks 2 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 451.29 a month.
What staying costs
Moving from Luzerner Hinterland to Agrisano, the cheapest insurer in this region, saves CHF 136.20 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 452.80 | CHF 430.15 | CHF 425.65 |
| 500 | CHF 442.40 | CHF 418.50 | CHF 413.95 |
| 1'000 | CHF 411.95 | CHF 389.35 | CHF 384.80 |
| 1'500 | CHF 382.80 | CHF 360.15 | CHF 355.65 |
| 2'000 | CHF 353.65 | CHF 331.00 | CHF 326.45 |
| 2'500 | CHF 324.45 | CHF 301.85 | CHF 297.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 338.30 | CHF 321.35 | CHF 318.00 |
| 500 | CHF 326.60 | CHF 309.70 | CHF 306.30 |
| 1'000 | CHF 298.45 | CHF 281.95 | CHF 277.15 |
| 1'500 | CHF 270.70 | CHF 255.75 | CHF 248.00 |
| 2'000 | CHF 243.00 | CHF 229.50 | CHF 223.20 |
| 2'500 | CHF 215.55 | CHF 203.20 | CHF 189.65 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 73.40 | CHF 69.75 | CHF 69.00 |
| 100 | CHF 69.40 | CHF 65.75 | CHF 65.00 |
| 200 | CHF 65.35 | CHF 61.70 | CHF 60.95 |
| 300 | CHF 61.35 | CHF 57.70 | CHF 56.95 |
| 400 | CHF 57.30 | CHF 53.65 | CHF 52.90 |
| 500 | CHF 53.30 | CHF 49.65 | CHF 48.90 |
| 600 | CHF 49.25 | CHF 45.60 | CHF 44.85 |
With or without accident cover
With accident cover: CHF 452.80 a month. Without: CHF 425.65. Dropping it saves CHF 325.80 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 413.20 in 2025 to CHF 279.45 — a rise of 3.0 %.
The 55 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Lucerne, not to the municipality.
Aesch (LU) · Alberswil · Altbüron · Altishofen · Ballwil · Beromünster · Buttisholz · Büron · Dagmersellen · Doppleschwand · Egolzwil · Entlebuch · Ermensee · Eschenbach (LU) · Escholzmatt-Marbach · Ettiswil · Fischbach · Flühli · Geuensee · Gisikon · Greppen · Grossdietwil · Grosswangen · Hasle (LU) · Hergiswil bei Willisau · Hildisrieden · Hitzkirch · Hochdorf · Hohenrain · Inwil · Knutwil · Luthern · Mauensee · Menznau · Nebikon · Pfaffnau · Rain · Reiden · Rickenbach (LU) · Roggliswil · Romoos · Römerswil · Schlierbach · Schongau · Schwarzenberg · Schötz · Schüpfheim · Triengen · Ufhusen · Vitznau · Wauwil · Weggis · Wikon · Willisau · Zell (LU)
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 414.30 | View |
| Sanitas | CHF 429.50 | View |
| KPT | CHF 430.10 | View |
| Vivao Sympany | CHF 431.20 | View |
| sana24 | CHF 432.00 | View |
| CONCORDIA | CHF 435.20 | View |
| SWICA | CHF 437.40 | View |
| CSS | CHF 438.60 | View |
| Atupri | CHF 440.20 | View |
| Assura-Basis | CHF 440.20 | View |
| SLKK | CHF 442.70 | View |
| EGK | CHF 445.80 | View |
| ÖKK | CHF 446.20 | View |
| Galenos | CHF 446.30 | View |
| Avenir | CHF 446.90 | View |
| Sumiswalder | CHF 449.70 | View |
| Helsana | CHF 450.20 | View |
| Aquilana | CHF 451.00 | View |
| Philos | CHF 467.30 | View |
| rhenusana | CHF 476.10 | View |
| Visana | CHF 485.30 | View |
| vita surselva | CHF 486.40 | View |
| Einsiedler | CHF 512.75 | View |
| Mutuel | CHF 521.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums.