Luzerner Hinterland Hausmed — Obwalden
Obwalden: the Hausmed model from Luzerner Hinterland costs CHF 457.05 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 457.05, Hausmed is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausmed costs CHF 288.60 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 457.05 | CHF 429.60 |
| 500 | CHF 445.40 | CHF 418.65 |
| 1'000 | CHF 416.20 | CHF 391.25 |
| 1'500 | CHF 387.05 | CHF 363.80 |
| 2'000 | CHF 357.90 | CHF 336.40 |
| 2'500 | CHF 328.70 | CHF 309.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 342.80 | CHF 322.20 |
| 500 | CHF 331.10 | CHF 311.25 |
| 1'000 | CHF 301.95 | CHF 283.85 |
| 1'500 | CHF 273.50 | CHF 257.05 |
| 2'000 | CHF 245.60 | CHF 230.85 |
| 2'500 | CHF 217.95 | CHF 204.85 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.00 | CHF 105.25 |
| 100 | CHF 106.15 | CHF 99.75 |
| 200 | CHF 100.30 | CHF 94.30 |
| 300 | CHF 94.50 | CHF 88.80 |
| 400 | CHF 88.65 | CHF 83.30 |
| 500 | CHF 82.80 | CHF 77.85 |
| 600 | CHF 77.00 | CHF 72.35 |
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.