Luzerner Hinterland Hausmed — Region 2, Lucerne
Region 2, Lucerne: the Hausmed model from Luzerner Hinterland costs CHF 445.10 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 445.10, Hausmed is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausmed costs CHF 281.40 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 445.10 | CHF 418.40 |
| 500 | CHF 433.45 | CHF 407.45 |
| 1'000 | CHF 404.30 | CHF 380.05 |
| 1'500 | CHF 375.10 | CHF 352.60 |
| 2'000 | CHF 345.95 | CHF 325.20 |
| 2'500 | CHF 316.80 | CHF 297.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 331.05 | CHF 311.20 |
| 500 | CHF 319.35 | CHF 300.20 |
| 1'000 | CHF 290.45 | CHF 273.00 |
| 1'500 | CHF 263.35 | CHF 247.55 |
| 2'000 | CHF 236.25 | CHF 222.10 |
| 2'500 | CHF 209.30 | CHF 196.75 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.60 | CHF 98.35 |
| 100 | CHF 98.75 | CHF 92.85 |
| 200 | CHF 92.95 | CHF 87.35 |
| 300 | CHF 87.10 | CHF 81.90 |
| 400 | CHF 81.25 | CHF 76.40 |
| 500 | CHF 75.45 | CHF 70.90 |
| 600 | CHF 69.60 | CHF 65.45 |
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.