Krankenkasse Luzerner Hinterland

What Krankenkasse Luzerner Hinterland does

Krankenkasse Luzerner Hinterland (KKLH), founded in 1905 and headquartered in Zell (Lucerne), is a Swiss regional health insurance company governed under the KVG (Swiss Health Insurance Act) framework and operating as a privately-held mutualistic-style entity with no parent company or external institutional investors. It serves approximately 25,000 insured members across ten Swiss cantons, with over 80% concentrated in canton Lucerne, and reports roughly 27 employees (full-time and part-time, including one apprentice). The portfolio centers on mandatory basic insurance (Grundversicherung) offered in three model variants — traditional (free doctor choice), Hausarzt (family-doctor gatekeeping with ~5% premium discount), and Telmed (telephone triage first via Medi24 with ~10% premium discount) — complemented by voluntary supplementary products such as Spitalversicherung Kombi (hospital ward upgrades), ZEB general supplementary coverage, dental, daily-allowance, accident and illness death/disability (UTI/KTI), and per-day travel insurance (TOURIST SUBITO).

Name

Krankenkasse Luzerner Hinterland

Legal name

Krankenkasse Luzerner Hinterland

Website

https://kklh.ch

Company type

Private

Founded year

1905

Operating status

Operating

Headcount range

1–10 employees

Short description

Krankenkasse Luzerner Hinterland is a privately-held Swiss health insurer, founded in 1905 and headquartered in Zell (Lucerne), serving roughly 25,000 members across ten cantons with mandatory basic and voluntary supplementary health insurance, distinguished by Switzerland's lowest administrative costs.

Ownership category

akta.pro rank

Headquarters

HQ city

Zell LU

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mandatory Basic Health Insurance (Grundversicherung): Premiums from obligatory health insurance under KVG (Swiss Health Insurance Act). The basic insurance covers legal minimum benefits for illness, accident, and maternity. Premiums are regulated and vary by canton, age group, and chosen model (traditional, family doctor, or telmed).
2. Supplementary Health Insurance (Zusatzversicherungen): Voluntary supplementary insurance products including outpatient care (ZEB), hospital insurance (Kombi), daily allowance, accident/disability, dental, and travel insurance. These provide additional coverage beyond basic insurance and generate additional premium revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Krankenkasse Luzerner Hinterland (KKLH) is a regional Swiss Krankenkasse providing statutory basic health insurance (Grundversicherung under KVG) to individuals and families, offered in three model variants (Traditional free-choice, Hausarzt family-doctor gatekeeping, Telmed telephone gatekeeping), supplemented by a portfolio of voluntary supplementary insurances covering hospital ward upgrades, dental care, daily income replacement, accident and illness death/disability, and per-trip travel medical insurance. The company also provides all insured members with a free 24/7 telemedical consultation line operated by partner Medi24 and supports policy administration online through a premium calculator, digital claim submission, and online policy change forms.

Product overview

Krankenkasse Luzerner Hinterland (KKLH) is a Swiss health insurer offering a unified portfolio centered on mandatory basic health insurance (Grundversicherung/OKP) available in three model variants — Traditionelles Modell (free doctor choice), Hausarzt-Modell (family doctor coordination, ~5% savings), and Telmed-Modell (telephone medical center coordination, ~10% savings) — supplemented by a range of voluntary supplementary insurance add-ons. The supplementary portfolio includes Krankenpflege Zusatz ZEB (general outpatient/inpatient gap coverage), Spitalversicherung Kombi (hospital ward upgrades to half-private or private), Dentalversicherung (dental coverage), Taggeldversicherung (daily income replacement), Ferien- und Reiseversicherung TOURIST SUBITO (travel medical insurance with per-trip purchase), UTI (accident death/disability), and KTI (illness death/disability). A free telemedical consultation center (medi24) is provided to all insured members, and an online premium calculator enables quote generation.

Differentiator

Problem solved

Functional benefit

Products and services

• Grundversicherung (Mandatory Basic Health Insurance / OKP) Statutory Krankenpflegeversicherung (OKP) under the Swiss Health Insurance Act (KVG) covering legal minimum benefits for illness, accident and maternity; offered to Swiss residents in three model variants — Traditional (free choice of doctor), Hausarzt (family doctor first), and Telmed (telemedical center first) — with six franchise tiers for adults from CHF 300 to CHF 2,500 and family discounts from the third child onward.
• Traditionelles Modell (Traditional Basic Insurance Model) Standard basic insurance model with free choice of doctor and unrestricted access to specialists; premiums depend on canton of residence, age and chosen deductible.
• Hausarzt-Modell / HAUSMED (Family Doctor Basic Insurance Model) Alternative basic insurance model where all treatments are coordinated through a chosen family doctor; provides approximately 5% premium savings compared to the traditional model.
• Telmed-Modell (Telmed Basic Insurance Model) Alternative basic insurance model where insured persons first contact the telemedical consultation center by phone before seeing a doctor, with stated exceptions for emergencies, gynecology, eye exams and dental; coordinates treatment and offers approximately 10% premium savings.
• Allgemeine Krankenpflegezusatzversicherung ZEB (Supplementary Outpatient/Inpatient Insurance) Voluntary supplementary insurance filling gaps in basic insurance for outpatient and inpatient care, covering alternative medicine, visual aids (glasses), children's dental treatments, non-obligatory medications, transport costs, spa treatments, household assistance, and general-ward hospital stays throughout Switzerland.
• Spitalversicherung Kombi (Hospital Insurance — Kombi 2 / Kombi 3) Voluntary hospital supplementary insurance in two tiers: Kombi 2 (half-private ward, two-bed room, free doctor choice throughout Switzerland) and Kombi 3 (private ward, single room, free doctor choice throughout Switzerland); includes contributions toward spa treatments and household assistance.
• Dentalversicherung (Dental Supplementary Insurance) Supplementary insurance covering dental treatments with a freely selectable coverage amount; suitable for early purchase and combinable with the dental benefits of the ZEB supplementary insurance for children.
• Taggeldversicherung (Daily Allowance Insurance) Voluntary insurance paying a contracted daily amount as income replacement during inability to work due to illness or accident where no other insurance covers; benefit amount and waiting period are freely selectable, and accident coverage can be excluded.
• Unfallversicherung für Tod und Invalidität (UTI) — Accident Death & Disability Insurance Voluntary insurance providing capital benefits in the event of accidental death or disability; coverage sums for death and disability can be chosen independently and pay out as a lump sum to dependents or the disabled insured.
• Versicherung für Tod und Invalidität bei Krankheit (KTI) — Illness Death & Disability Insurance Voluntary insurance providing capital protection in case of illness-related death or disability; coverage sums are independently selectable and the policy complements minimal statutory coverage (AHV/IV/UVG/BVG), serving as a capital safety net for credit arrangements.
• Ferien- und Reiseversicherung / TOURIST SUBITO (Holiday & Travel Insurance) Per-trip travel insurance covering medical costs abroad up to CHF 250,000 per person (CHF 500,000 per family), distributed via ÖKK KLICKportal and priced by number of travel days; since January 2020 additionally includes travel legal protection, cancellation-cost and luggage-insurance modules.
• Telemedizinisches Beratungszentrum (Telemedical Consultation Service) Free 24/7 (365 days/year) telephone and web-callback medical consultation service provided to all KKLH insured members through partner Medi24; delivers urgency recommendations and treatment-pathway guidance, handling up to 5,000 inquiries per day and underpinning the Telmed insurance model.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Medi24 (telemedical consultation center)coreTechnology or Integration · 1 January 2021Medi24 operates KKLH's telemedical consultation center available 24/7 at 041 989 70 10. Up to 5,000 people daily use this service for health advice and treatment pathway guidance. This partnership enables KKLH's Telmed insurance model, offering policyholders free medical consultation before visiting a doctor.
• Apotheke zur RoseminorOthersRecommended mail-order pharmacy for purchasing medications at reduced prices. Offers free shipping and no medication or dispensing fees. Delivers within two business days.
• MediServiceminorOthersSpecialty pharmacy partner for customers requiring regular medications. Offers 5% discount for new customers for one year and 5% permanent discount on generic medications. No shipping or pharmacy fees.
• GotrademinorOthersPartner for purchasing blood glucose test strips and diabetes supplies at discounted prices (17-30% below retail). Gotrade can bill KKLH directly with a doctor's prescription.
• Ernst & Young AGminorOthersExternal audit firm responsible for account auditing under KVV 86-88 regulations.

Scale indicators7 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Visana: Swiss health insurer offering basic insurance under KVG and supplementary products to individuals and businesses. Comparable to KKLH on core basic-plus-supplementary product structure and on multi-canton operating footprint.
• Groupe Mutuel: Major Swiss health insurer offering mandatory basic insurance and supplementary products under KVG across multiple cantons. Comparable portfolio to KKLH including complementary products, and competing head-to-head in the cost-conscious consumer segment.
• Swica: Swiss health insurer with around 800,000 insured persons, comparable to KKLH on Grundversicherung and supplementary product offerings. Especially relevant peer given Swica's strong emphasis on Telmed and care coordination models that mirror KKLH's Hausarzt and Telmed products.
• ÖKK: Swiss health insurance company offering KVG basic insurance and supplementary products. KKLH already partners with ÖKK for travel insurance distribution via the KLICKportal, making them a direct distribution partner and a directly comparable peer on product offerings.
• Atupri: Mid-sized Swiss health insurer offering basic insurance under KVG and supplementary products. Comparable to KKLH on portfolio mix and on a multi-canton operating footprint with growing emphasis on digital tools.
• Sanitas: Swiss health insurance foundation offering Grundversicherung and a comprehensive Zusatzversicherung portfolio. Comparable to KKLH on product structure and operating model under KVG, with similar focus on cost efficiency and member service.
• Concordia: Swiss health insurance company serving around 600,000 members across multiple cantons with the same Grundversicherung and Zusatzversicherung portfolio as KKLH. Closely comparable regional-to-national peer with similar product mix (basic plus supplementary) and a regional branch structure.

Broad incumbents

• Helsana: One of Switzerland's largest health insurers with over 2 million insured persons, offering KVG-compliant basic and supplementary insurance. Comparable to KKLH on core product offering but operates at materially larger national scale.
• CSS Versicherung: Switzerland's largest health insurer with ~1.7 million insured persons, offering mandatory basic and supplementary insurance under KVG. Directly comparable to KKLH on core product offering (Grundversicherung + Zusatzversicherungen) but operates at vastly greater national scale and offering broader digital and product portfolios.

Others

• Mobiliar: Large Swiss insurance company with a presence in personal lines including health-adjacent coverage. While primarily a property/casualty insurer, it operates in the same Swiss insurance market and serves overlapping retail customers as KKLH.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/krankenkasse-luzerner-hinterland

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Krankenkasse Luzerner Hinterland