Luzerner Hinterland Hausmed — Region 3, Bern
Region 3, Bern: the Hausmed model from Luzerner Hinterland costs CHF 502.10 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 502.10, Hausmed is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausmed costs CHF 317.40 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 502.10 | CHF 472.00 |
| 500 | CHF 490.45 | CHF 461.05 |
| 1'000 | CHF 461.30 | CHF 433.60 |
| 1'500 | CHF 432.10 | CHF 406.20 |
| 2'000 | CHF 402.95 | CHF 378.80 |
| 2'500 | CHF 373.80 | CHF 351.35 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 401.85 | CHF 377.75 |
| 500 | CHF 390.20 | CHF 366.75 |
| 1'000 | CHF 361.00 | CHF 339.35 |
| 1'500 | CHF 331.85 | CHF 311.95 |
| 2'000 | CHF 302.70 | CHF 284.50 |
| 2'500 | CHF 273.50 | CHF 257.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.55 | CHF 118.00 |
| 100 | CHF 119.70 | CHF 112.50 |
| 200 | CHF 113.85 | CHF 107.05 |
| 300 | CHF 108.05 | CHF 101.55 |
| 400 | CHF 102.20 | CHF 96.05 |
| 500 | CHF 96.35 | CHF 90.60 |
| 600 | CHF 90.55 | CHF 85.10 |
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.