Luzerner Hinterland — Region 1, Bern: twelve years of premiums
Region 1, Bern: the lowest Luzerner Hinterland premium went from CHF 478.00 a month in 2015 to CHF 634.95 in 2026 — a rise of +32.8 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 478.00 | CHF 354.00 | CHF 124.00 |
| 2016 | CHF 520.60 | CHF 366.40 | CHF 154.20 |
| 2017 | CHF 564.20 | CHF 390.70 | CHF 173.50 |
| 2018 | CHF 564.20 | CHF 401.60 | CHF 162.60 |
| 2019 | CHF 564.20 | CHF 437.20 | CHF 127.00 |
| 2020 | CHF 564.20 | CHF 443.70 | CHF 120.50 |
| 2021 | CHF 534.50 | CHF 437.60 | CHF 96.90 |
| 2022 | CHF 512.15 | CHF 441.00 | CHF 71.15 |
| 2023 | CHF 517.25 | CHF 462.40 | CHF 54.85 |
| 2024 | CHF 562.90 | CHF 504.10 | CHF 58.80 |
| 2025 | CHF 604.75 | CHF 519.80 | CHF 84.95 |
| 2026 | CHF 634.95 | CHF 540.10 | CHF 94.85 |
Faster or slower than the rest?
Luzerner Hinterland rose +32.8 % over the period, against +52.6 % 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: +8.9 % 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.
Luzerner Hinterland, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.