Luzerner Hinterland Hausmed — Region 2, Bern
Region 2, Bern: the Hausmed model from Luzerner Hinterland costs CHF 547.55 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 547.55, Hausmed is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausmed costs CHF 345.60 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 547.55 | CHF 514.70 |
| 500 | CHF 535.85 | CHF 503.70 |
| 1'000 | CHF 506.70 | CHF 476.30 |
| 1'500 | CHF 477.55 | CHF 448.90 |
| 2'000 | CHF 448.35 | CHF 421.45 |
| 2'500 | CHF 419.20 | CHF 394.05 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 446.50 | CHF 419.70 |
| 500 | CHF 434.85 | CHF 408.75 |
| 1'000 | CHF 405.70 | CHF 381.35 |
| 1'500 | CHF 376.50 | CHF 353.90 |
| 2'000 | CHF 347.35 | CHF 326.50 |
| 2'500 | CHF 318.20 | CHF 299.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 136.15 | CHF 128.00 |
| 100 | CHF 130.35 | CHF 122.50 |
| 200 | CHF 124.50 | CHF 117.05 |
| 300 | CHF 118.65 | CHF 111.55 |
| 400 | CHF 112.85 | CHF 106.05 |
| 500 | CHF 107.00 | CHF 100.60 |
| 600 | CHF 101.15 | CHF 95.10 |
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.