Luzerner Hinterland Hausmed — Region 1, Lucerne
Region 1, Lucerne: the Hausmed model from Luzerner Hinterland costs CHF 477.40 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 477.40, Hausmed is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausmed costs CHF 301.80 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 477.40 | CHF 448.80 |
| 500 | CHF 465.75 | CHF 437.80 |
| 1'000 | CHF 436.60 | CHF 410.40 |
| 1'500 | CHF 407.40 | CHF 383.00 |
| 2'000 | CHF 378.25 | CHF 355.55 |
| 2'500 | CHF 349.10 | CHF 328.15 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 359.80 | CHF 338.20 |
| 500 | CHF 348.10 | CHF 327.25 |
| 1'000 | CHF 318.95 | CHF 299.80 |
| 1'500 | CHF 289.80 | CHF 272.40 |
| 2'000 | CHF 260.60 | CHF 245.00 |
| 2'500 | CHF 231.45 | CHF 217.55 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.20 | CHF 105.45 |
| 100 | CHF 106.35 | CHF 100.00 |
| 200 | CHF 100.55 | CHF 94.50 |
| 300 | CHF 94.70 | CHF 89.00 |
| 400 | CHF 88.85 | CHF 83.55 |
| 500 | CHF 83.05 | CHF 78.05 |
| 600 | CHF 77.20 | CHF 72.55 |
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.