Luzerner Hinterland Hausmed — Region 1, Bern
Region 1, Bern: the Hausmed model from Luzerner Hinterland costs CHF 641.75 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 641.75, Hausmed is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausmed costs CHF 405.00 less per year than Luzerner Hinterland's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 641.75 | CHF 603.20 |
| 500 | CHF 630.05 | CHF 592.25 |
| 1'000 | CHF 600.90 | CHF 564.85 |
| 1'500 | CHF 571.75 | CHF 537.40 |
| 2'000 | CHF 542.55 | CHF 510.00 |
| 2'500 | CHF 513.40 | CHF 482.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 513.40 | CHF 482.60 |
| 500 | CHF 501.70 | CHF 471.60 |
| 1'000 | CHF 472.55 | CHF 444.20 |
| 1'500 | CHF 443.40 | CHF 416.80 |
| 2'000 | CHF 414.20 | CHF 389.35 |
| 2'500 | CHF 385.05 | CHF 361.95 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 160.45 | CHF 150.80 |
| 100 | CHF 154.60 | CHF 145.30 |
| 200 | CHF 148.75 | CHF 139.85 |
| 300 | CHF 142.95 | CHF 134.35 |
| 400 | CHF 137.10 | CHF 128.85 |
| 500 | CHF 131.25 | CHF 123.40 |
| 600 | CHF 125.45 | CHF 117.90 |
The price, region by region
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.