Luzerner Hinterland Hausmed — Region 3, Lucerne
Region 3, Lucerne: the Hausmed model from Luzerner Hinterland costs CHF 430.15 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 430.15, Hausmed is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausmed costs CHF 271.80 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 430.15 | CHF 404.35 |
| 500 | CHF 418.50 | CHF 393.40 |
| 1'000 | CHF 389.35 | CHF 365.95 |
| 1'500 | CHF 360.15 | CHF 338.55 |
| 2'000 | CHF 331.00 | CHF 311.15 |
| 2'500 | CHF 301.85 | CHF 283.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 321.35 | CHF 302.10 |
| 500 | CHF 309.70 | CHF 291.10 |
| 1'000 | CHF 281.95 | CHF 265.00 |
| 1'500 | CHF 255.75 | CHF 240.45 |
| 2'000 | CHF 229.50 | CHF 215.75 |
| 2'500 | CHF 203.20 | CHF 191.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 101.10 | CHF 95.00 |
| 100 | CHF 95.25 | CHF 89.55 |
| 200 | CHF 89.40 | CHF 84.05 |
| 300 | CHF 83.60 | CHF 78.55 |
| 400 | CHF 77.75 | CHF 73.10 |
| 500 | CHF 71.90 | CHF 67.60 |
| 600 | CHF 66.10 | CHF 62.10 |
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.