Luzerner Hinterland in canton Bern: twelve years of premiums
In canton Bern, the lowest Luzerner Hinterland premium went from CHF 366.30 a month in 2015 to CHF 496.85 in 2026 — a rise of +35.6 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 366.30 | CHF 298.10 | CHF 68.20 |
| 2016 | CHF 404.10 | CHF 319.60 | CHF 84.50 |
| 2017 | CHF 442.30 | CHF 334.70 | CHF 107.60 |
| 2018 | CHF 442.30 | CHF 343.80 | CHF 98.50 |
| 2019 | CHF 442.30 | CHF 363.50 | CHF 78.80 |
| 2020 | CHF 442.30 | CHF 371.20 | CHF 71.10 |
| 2021 | CHF 419.05 | CHF 368.50 | CHF 50.55 |
| 2022 | CHF 401.55 | CHF 369.00 | CHF 32.55 |
| 2023 | CHF 405.55 | CHF 376.00 | CHF 29.55 |
| 2024 | CHF 440.50 | CHF 403.20 | CHF 37.30 |
| 2025 | CHF 473.20 | CHF 421.30 | CHF 51.90 |
| 2026 | CHF 496.85 | CHF 447.50 | CHF 49.35 |
Faster or slower than the rest?
Luzerner Hinterland rose +35.6 % over the period, against +50.1 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2016: +10.3 % in one go. The premium did not move in 2018, 2019, 2020.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
Bern, canton by canton
Luzerner Hinterland, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.