# Health insurance premiums 2026 in Emmen (LU)

Emmen is in premium region 1 of the [canton of Lucerne](https://praemiencheck.onedoc.ch/en/lu/).

In 2026, the cheapest health insurance premium in Emmen is:

- For [an adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/): **423.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-300/) (Atupri, HMO), **301.95 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-2500/) (Atupri, HMO).
- For [a young adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/): **307.65 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-300/) (CSS, HMO (health practice)), **188.35 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-2500/) (CSS, HMO (health practice)).
- For [a child with accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/): **100.75 CHF** a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-0/) (ÖKK, HMO model), **65.75 CHF** with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-600/) (ÖKK, HMO model).

## Without accident cover: from 301.95 to 590.65 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **423.85 CHF** a month with **Atupri** (HMO), the most expensive 590.65 CHF with Groupe Mutuel – Mutuel (Standard model).

Lowest premium:
- 300 CHF: 423.85 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-300/
- 500 CHF: 412.85 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-500/
- 1'000 CHF: 385.15 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-1000/
- 1'500 CHF: 357.35 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-1500/
- 2'000 CHF: 329.75 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-2000/
- 2'500 CHF: 301.95 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 423.85 | 412.85 | 385.15 | 357.35 | 329.75 | 301.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 424.60 | 413.80 | 386.60 | 359.45 | 332.35 | 305.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 424.75 | 413.95 | 386.75 | 359.55 | 332.45 | 305.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 427.85 | 416.95 | 389.85 | 362.75 | 335.55 | 308.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 433.85 | 423.05 | 395.95 | 368.75 | 341.65 | 314.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 433.85 | 423.05 | 395.95 | 368.75 | 341.65 | 314.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 433.85 | 423.05 | 395.95 | 368.75 | 341.65 | 314.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 435.25 | 424.45 | 397.35 | 370.15 | 343.05 | 315.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 435.45 | 424.65 | 397.55 | 370.35 | 343.25 | 316.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 436.95 | 426.25 | 399.25 | 371.85 | 344.85 | 317.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 437.75 | 426.85 | 399.85 | 372.65 | 345.55 | 318.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 437.75 | 426.85 | 399.85 | 372.65 | 345.55 | 318.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 437.75 | 426.85 | 399.85 | 372.65 | 345.55 | 318.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 438.75 | 427.75 | 400.05 | 372.25 | 344.65 | 316.95 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 438.90 | 427.95 | 400.50 | 373.10 | 345.70 | 318.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 440.15 | 429.35 | 402.25 | 375.05 | 348.05 | 320.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 442.65 | 431.85 | 404.65 | 377.55 | 350.45 | 323.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 442.75 | 431.95 | 404.85 | 377.65 | 350.65 | 323.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 443.65 | 432.65 | 405.25 | 377.85 | 350.40 | 323.00 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 444.35 | 433.55 | 406.45 | 379.25 | 352.25 | 325.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 444.45 | 433.65 | 406.45 | 379.35 | 352.25 | 325.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 444.75 | 433.75 | 406.15 | 378.55 | 351.05 | 323.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 445.95 | 435.15 | 415.45 | 388.25 | 361.25 | 349.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 447.65 | 436.75 | 409.55 | 382.25 | 354.95 | 327.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 448.75 | 437.75 | 410.05 | 382.25 | 354.65 | 326.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 448.75 | 437.75 | 410.05 | 382.25 | 354.65 | 326.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 449.30 | 438.50 | 411.35 | 384.15 | 357.05 | 329.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 449.95 | 439.25 | 412.25 | 384.85 | 357.85 | 330.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 449.95 | 439.75 | 414.15 | 388.15 | 362.45 | 336.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 452.65 | 441.65 | 414.15 | 386.55 | 359.05 | 331.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 452.75 | 441.95 | 414.75 | 387.65 | 360.55 | 333.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 452.75 | 441.95 | 414.75 | 387.65 | 360.55 | 333.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 453.75 | 442.75 | 415.05 | 387.25 | 359.65 | 331.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 453.85 | 443.05 | 415.85 | 388.75 | 361.65 | 338.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 454.25 | 443.45 | 416.25 | 389.10 | 362.00 | 334.80 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 454.25 | 443.45 | 416.25 | 389.10 | 362.00 | 334.80 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 454.35 | 443.55 | 416.35 | 389.15 | 362.05 | 334.95 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 454.55 | 443.65 | 416.35 | 389.05 | 361.85 | 334.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 454.75 | 443.95 | 416.85 | 389.65 | 362.65 | 335.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 454.75 | 443.95 | 416.85 | 389.65 | 362.65 | 335.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 456.85 | 445.95 | 424.25 | 397.15 | 364.55 | 337.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 457.75 | 446.85 | 419.65 | 392.35 | 365.15 | 337.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 458.25 | 447.45 | 420.25 | 393.15 | 366.05 | 338.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 458.65 | 447.85 | 420.65 | 393.55 | — | 339.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 460.35 | 449.65 | 422.65 | 395.25 | 368.25 | 341.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 460.45 | 449.65 | 422.55 | 395.35 | 368.25 | 341.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 460.55 | 451.25 | 427.55 | 404.05 | 380.45 | 348.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 463.05 | 452.25 | 425.05 | 397.95 | — | 343.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 464.05 | 454.05 | 429.15 | 404.15 | 379.25 | 354.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 464.05 | 454.05 | 429.15 | 404.15 | 379.25 | 354.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 464.25 | 453.45 | 426.15 | 398.85 | 371.65 | 344.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 464.95 | 454.05 | 432.35 | 405.25 | 378.05 | 350.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 464.95 | 454.05 | 432.35 | 405.25 | 372.65 | 345.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 466.25 | 456.15 | 431.15 | 406.15 | 380.95 | 355.95 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 467.25 | 457.55 | 428.85 | 401.45 | 374.05 | 346.60 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 468.15 | 457.25 | 430.05 | 402.75 | 375.55 | 348.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 468.45 | 457.45 | 429.85 | 402.25 | 374.75 | 347.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 469.85 | 459.15 | 432.15 | 404.75 | 377.75 | 350.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 469.85 | 459.55 | 434.05 | 407.95 | 382.35 | 356.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 470.55 | 459.75 | 432.55 | 405.45 | 378.35 | 351.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 472.55 | 461.85 | 434.95 | 407.45 | 380.55 | 353.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 473.05 | 462.15 | 440.45 | 413.35 | 380.75 | 353.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 473.25 | 463.65 | 439.45 | 415.35 | 391.25 | 367.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 473.25 | 462.35 | 435.15 | 407.85 | 380.55 | 353.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 473.95 | 463.05 | 435.85 | 408.55 | 381.25 | 354.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 474.05 | 463.85 | 438.45 | 412.85 | 387.35 | 361.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 475.45 | 464.55 | 437.35 | 410.05 | 382.75 | 355.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 475.75 | 464.95 | 437.75 | 410.65 | 383.55 | 356.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 477.45 | 466.65 | 439.45 | 412.35 | 385.25 | 361.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 479.25 | 468.35 | 441.05 | 413.85 | 386.55 | 359.35 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 481.95 | 471.15 | 443.95 | 416.95 | 389.75 | 362.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 483.95 | 473.15 | 446.05 | 418.85 | 391.85 | 364.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 483.95 | 473.15 | 446.05 | 418.85 | 391.85 | 364.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 484.05 | 474.25 | 449.55 | 424.85 | 400.25 | 375.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 484.45 | 473.55 | 446.35 | 419.05 | 391.85 | 364.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 484.85 | 474.05 | 446.95 | 419.75 | — | 365.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 486.55 | 475.65 | 453.95 | 426.85 | 399.65 | 372.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 486.55 | 475.65 | 453.95 | 426.85 | 399.65 | 372.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 488.85 | 478.05 | 450.95 | 423.75 | 396.65 | 369.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 489.15 | 478.45 | 451.45 | 424.05 | 397.05 | 370.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 489.25 | 478.45 | 451.25 | 424.15 | — | 369.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 489.55 | 479.65 | 454.65 | 429.65 | 404.75 | 379.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 489.95 | 483.65 | 451.75 | 424.45 | 397.25 | 369.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 490.35 | 479.45 | 452.25 | 424.95 | 397.75 | 370.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 492.45 | 481.65 | 454.55 | 427.35 | 400.25 | 373.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 493.65 | 482.65 | 454.95 | 427.15 | 399.55 | 371.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 497.45 | 491.15 | 459.25 | 431.95 | 404.75 | 377.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 500.25 | 489.35 | 462.15 | 434.85 | 407.65 | 380.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 503.15 | 496.95 | 465.05 | 437.75 | 410.55 | 383.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 503.15 | 496.95 | 465.05 | 437.75 | 410.55 | 383.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 503.65 | 492.85 | 465.65 | 438.55 | 411.45 | 384.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 504.35 | 494.65 | 469.55 | 444.95 | 419.85 | 394.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 504.75 | 494.05 | 466.85 | 439.75 | 412.65 | 385.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 506.65 | 495.85 | 468.65 | 441.55 | — | 387.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 509.65 | 498.85 | 471.75 | 444.55 | 417.45 | 390.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 514.75 | 508.45 | 476.55 | 449.35 | 422.05 | 394.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 514.95 | 504.25 | 477.25 | 449.85 | 422.85 | 395.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 515.75 | 504.65 | 476.95 | 449.25 | 421.45 | 393.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 516.05 | 505.15 | 477.95 | 450.65 | 423.35 | 396.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 516.15 | 505.45 | 478.55 | 451.05 | 424.15 | 397.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 517.55 | 506.75 | 479.65 | 452.45 | 425.35 | 398.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 519.15 | 508.45 | 481.55 | 454.05 | 427.05 | 400.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 519.25 | 508.45 | 481.05 | 453.75 | 426.55 | 399.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 519.35 | 508.55 | 481.45 | 454.25 | 427.25 | 400.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 520.65 | 510.45 | 484.85 | 458.85 | 433.15 | 407.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 520.95 | 510.05 | 482.45 | 454.85 | 427.35 | 399.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 521.35 | 510.45 | 483.15 | 455.95 | 428.65 | 401.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 529.35 | 518.55 | 493.15 | 467.05 | 441.05 | 414.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 530.05 | 519.25 | 492.05 | 465.05 | 437.85 | 410.75 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 535.00 | 524.20 | 497.15 | 470.20 | 437.80 | 407.50 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 535.15 | 524.25 | 497.15 | 470.05 | 442.95 | 415.75 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 535.55 | 524.75 | 497.35 | 469.85 | 442.55 | 415.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 537.05 | 526.35 | 499.35 | 471.95 | 444.95 | 417.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 538.45 | 527.55 | 500.15 | 472.65 | 445.25 | 417.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 547.15 | 536.45 | 509.45 | 482.05 | 455.05 | 428.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 547.85 | 536.95 | 509.75 | 482.45 | 455.15 | 427.95 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 548.65 | 537.95 | 510.75 | 483.65 | 456.55 | 429.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 550.25 | 539.45 | 512.35 | 485.15 | — | 430.95 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 563.40 | 552.05 | 523.60 | 495.20 | 466.75 | 438.30 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 566.65 | 560.45 | 528.55 | 501.25 | 473.95 | 446.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 572.45 | 566.25 | 534.25 | 507.05 | 479.75 | 452.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 590.65 | 579.95 | 552.95 | 525.55 | 498.55 | 471.65 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident.md

## With accident cover: from 318.15 to 635.45 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **446.45 CHF** a month with **Atupri** (HMO), the most expensive 635.45 CHF with Groupe Mutuel – Mutuel (Standard model).

Lowest premium:
- 300 CHF: 446.45 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/deductible-300/
- 500 CHF: 434.85 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/deductible-500/
- 1'000 CHF: 405.65 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/deductible-1000/
- 1'500 CHF: 376.45 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/deductible-1500/
- 2'000 CHF: 347.35 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/deductible-2000/
- 2'500 CHF: 318.15 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 446.45 | 434.85 | 405.65 | 376.45 | 347.35 | 318.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 456.45 | 444.85 | 415.65 | 386.45 | 357.35 | 328.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 456.55 | 444.95 | 415.75 | 386.55 | 357.45 | 328.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 460.35 | 448.65 | 419.55 | 390.35 | 361.15 | 332.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 462.15 | 450.55 | 421.35 | 392.15 | 363.05 | 333.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 466.85 | 455.25 | 426.05 | 396.85 | 367.75 | 338.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 466.85 | 455.25 | 426.05 | 396.85 | 367.75 | 338.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 466.85 | 455.25 | 426.05 | 396.85 | 367.75 | 338.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 467.25 | 455.60 | 426.40 | 397.25 | 368.10 | 338.90 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 468.35 | 456.75 | 427.55 | 398.35 | 369.25 | 340.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 468.65 | 457.05 | 427.85 | 398.65 | 369.55 | 340.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 470.25 | 458.75 | 429.75 | 400.25 | 371.25 | 342.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 470.85 | 459.25 | 430.05 | 400.85 | 371.75 | 342.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 471.05 | 459.35 | 430.25 | 401.05 | 371.85 | 342.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 471.05 | 459.35 | 430.25 | 401.05 | 371.85 | 342.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 471.05 | 459.35 | 430.25 | 401.05 | 371.85 | 342.75 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 472.25 | 460.60 | 431.45 | 402.25 | 373.10 | 343.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 472.65 | 461.05 | 431.85 | 402.65 | 373.55 | 344.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 472.65 | 461.05 | 431.85 | 402.65 | 373.55 | 344.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 473.65 | 462.05 | 432.85 | 403.65 | 374.55 | 345.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 476.25 | 464.65 | 435.45 | 406.25 | 377.15 | 347.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 476.45 | 464.85 | 435.65 | 406.45 | 377.35 | 348.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 477.75 | 466.15 | 436.95 | 407.75 | 378.65 | 349.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 477.95 | 466.35 | 437.15 | 407.95 | 378.85 | 349.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 478.15 | 466.55 | 437.35 | 408.15 | 379.05 | 349.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 479.25 | 467.65 | 438.45 | 409.25 | 380.15 | 350.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 479.35 | 467.65 | 438.55 | 409.35 | 380.15 | 351.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 479.85 | 468.25 | 447.05 | 417.85 | 388.75 | 376.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 483.00 | 471.40 | 442.20 | 413.00 | 383.90 | 354.70 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 484.15 | 472.65 | 443.65 | 414.15 | 385.15 | 356.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 484.15 | 473.15 | 445.65 | 417.65 | 390.05 | 362.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 486.45 | 474.85 | 445.65 | 416.45 | 387.35 | 358.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 487.15 | 475.55 | 446.35 | 417.15 | 388.05 | 358.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 487.15 | 475.55 | 446.35 | 417.15 | 388.05 | 358.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 488.30 | 476.70 | 447.50 | 418.30 | 389.20 | 360.00 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 488.30 | 476.70 | 447.50 | 418.30 | 389.20 | 360.00 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 488.35 | 476.75 | 447.55 | 418.35 | 389.25 | 364.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 488.35 | 476.75 | 447.55 | 418.35 | 389.25 | 360.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 489.35 | 477.75 | 448.55 | 419.35 | 390.25 | 361.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 489.35 | 477.75 | 448.55 | 419.35 | 390.25 | 361.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 490.15 | 478.55 | 449.35 | 420.15 | 391.05 | 361.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 491.05 | 480.45 | 454.15 | 427.75 | 401.25 | 374.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 491.55 | 479.95 | 456.55 | 427.35 | 392.45 | 363.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 493.05 | 481.45 | 452.25 | 423.05 | 393.95 | 364.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 493.55 | 481.95 | 452.75 | 423.55 | — | 365.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 495.35 | 483.85 | 454.85 | 425.35 | 396.35 | 367.35 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 495.45 | 485.55 | 460.15 | 434.85 | 409.45 | 375.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 495.45 | 483.85 | 454.65 | 425.45 | 396.35 | 367.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 495.95 | 484.35 | 455.15 | 425.95 | 396.85 | 367.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 496.85 | 485.25 | 456.05 | 426.85 | 397.75 | 368.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 497.40 | 487.10 | 456.55 | 427.40 | 398.25 | 369.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 498.25 | 486.65 | 457.45 | 428.25 | — | 369.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 499.25 | 488.55 | 461.75 | 434.85 | 408.05 | 381.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 499.35 | 488.55 | 461.75 | 434.95 | 408.15 | 381.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 499.35 | 488.55 | 461.75 | 434.95 | 408.15 | 381.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 500.25 | 488.65 | 465.25 | 436.05 | 406.95 | 377.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 500.25 | 488.65 | 465.25 | 436.05 | 401.15 | 371.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 501.25 | 489.65 | 460.45 | 431.25 | 402.15 | 372.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 503.75 | 493.55 | 467.85 | 442.15 | 416.55 | 390.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 505.55 | 494.05 | 465.05 | 435.55 | 406.55 | 377.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 505.55 | 494.55 | 467.05 | 439.05 | 411.45 | 383.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 506.25 | 494.65 | 465.45 | 436.25 | 407.15 | 377.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 506.75 | 495.05 | 465.85 | 436.75 | 407.55 | 378.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 507.45 | 495.85 | 466.65 | 437.45 | 408.35 | 379.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 508.55 | 497.05 | 468.05 | 438.55 | 409.55 | 380.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 508.95 | 497.35 | 473.95 | 444.85 | 409.85 | 380.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 509.05 | 497.45 | 468.25 | 439.05 | 409.95 | 380.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 511.85 | 500.25 | 471.05 | 441.85 | 412.75 | 383.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 513.15 | 501.45 | 472.25 | 443.15 | 413.95 | 384.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 513.75 | 502.15 | 472.95 | 443.75 | 414.65 | 389.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 515.35 | 504.85 | 478.65 | 452.35 | 426.15 | 399.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 518.55 | 506.95 | 477.75 | 448.65 | 419.45 | 390.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 518.75 | 507.05 | 477.95 | 448.75 | 419.55 | 390.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 519.95 | 508.35 | 479.15 | 449.95 | 420.85 | 391.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 520.75 | 509.15 | 479.95 | 450.75 | 421.65 | 392.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 520.75 | 509.15 | 479.95 | 450.75 | 421.65 | 392.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 521.15 | 510.55 | 483.95 | 457.45 | 430.95 | 404.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 521.75 | 510.15 | 480.95 | 451.75 | — | 393.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 523.55 | 511.85 | 488.45 | 459.35 | 430.15 | 400.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 523.55 | 511.85 | 488.45 | 459.35 | 430.15 | 400.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 524.55 | 517.85 | 483.65 | 454.55 | 425.35 | 396.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 525.05 | 513.35 | 484.25 | 455.05 | 425.85 | 396.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 525.45 | 513.85 | 484.65 | 455.45 | 426.35 | 397.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 526.35 | 514.85 | 485.85 | 456.35 | 427.35 | 398.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 526.45 | 514.85 | 485.65 | 456.45 | — | 398.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 529.85 | 518.25 | 489.05 | 459.85 | 430.75 | 401.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 532.55 | 525.85 | 491.75 | 462.55 | 433.35 | 404.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 535.65 | 523.95 | 494.85 | 465.65 | 436.45 | 407.35 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 538.25 | 527.40 | 500.20 | 473.05 | 440.45 | 410.00 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 538.75 | 532.05 | 497.95 | 468.75 | 439.55 | 410.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 538.75 | 532.05 | 497.95 | 468.75 | 439.55 | 410.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 541.85 | 530.25 | 501.05 | 471.85 | 442.75 | 413.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 542.75 | 532.25 | 505.25 | 478.75 | 451.75 | 424.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 543.15 | 531.55 | 502.35 | 473.15 | 444.05 | 414.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 543.15 | 531.45 | 502.35 | 473.15 | 443.95 | 414.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 545.15 | 533.55 | 504.35 | 475.15 | — | 416.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 548.35 | 536.75 | 507.55 | 478.35 | 449.25 | 420.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 551.05 | 544.45 | 510.25 | 481.05 | 451.95 | 422.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 551.55 | 539.95 | 510.75 | 481.55 | 452.45 | 423.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 552.55 | 540.85 | 511.65 | 482.55 | 453.35 | 424.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 554.05 | 542.55 | 513.55 | 484.05 | 455.05 | 426.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 555.45 | 543.95 | 514.95 | 485.45 | 456.45 | 427.45 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 555.65 | 544.05 | 514.85 | 485.65 | 456.55 | 427.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 556.85 | 545.25 | 516.05 | 486.85 | 457.75 | 428.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 558.15 | 546.45 | 517.35 | 488.15 | 458.95 | 429.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 558.65 | 547.15 | 518.15 | 488.65 | 459.65 | 430.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 558.85 | 547.25 | 518.05 | 488.85 | 459.75 | 430.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 560.25 | 549.25 | 521.75 | 493.75 | 466.15 | 438.65 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 566.85 | 555.40 | 526.80 | 498.20 | 469.60 | 441.00 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 569.55 | 557.95 | 530.65 | 502.55 | 474.55 | 446.55 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 570.10 | 558.55 | 529.35 | 500.15 | 471.05 | 441.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 570.25 | 558.65 | 529.45 | 500.35 | 471.15 | 441.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 573.15 | 561.55 | 532.35 | 503.15 | 474.05 | 444.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 575.75 | 564.15 | 534.95 | 505.75 | 476.65 | 447.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 577.85 | 566.35 | 537.35 | 507.85 | 478.85 | 449.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 586.55 | 574.85 | 545.75 | 516.55 | 487.35 | 458.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 588.65 | 577.15 | 548.15 | 518.65 | 489.65 | 460.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 590.35 | 578.75 | 549.55 | 520.35 | 491.25 | 462.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 592.05 | 580.45 | 551.25 | 522.05 | — | 463.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 606.65 | 600.05 | 565.85 | 536.65 | 507.55 | 478.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 612.85 | 606.15 | 572.05 | 542.85 | 513.65 | 484.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 635.45 | 623.95 | 594.95 | 565.45 | 536.45 | 507.45 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident.md

## Without accident cover: from 188.35 to 465.00 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **307.65 CHF** a month with **CSS** (HMO (health practice)), the most expensive 465.00 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 307.65 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-300/
- 500 CHF: 296.85 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-500/
- 1'000 CHF: 269.75 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 242.55 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 215.55 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 188.35 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 307.65 | 296.85 | 269.75 | 242.55 | 215.55 | 188.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 310.95 | 300.15 | 272.95 | 245.85 | 218.75 | 191.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 312.60 | 301.80 | 274.60 | 247.45 | 220.35 | 193.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 312.75 | 301.95 | 274.75 | 247.55 | 220.45 | 193.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 314.95 | 303.85 | 276.15 | 248.45 | 220.75 | 193.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 315.90 | 305.10 | 277.90 | 250.75 | 223.65 | 196.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 315.90 | 305.10 | 277.90 | 250.75 | 223.65 | 196.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 315.90 | 305.10 | 277.90 | 250.75 | 223.65 | 196.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 316.05 | 305.25 | 278.15 | 250.95 | 223.85 | 196.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 316.05 | 305.25 | 278.15 | 250.95 | 223.85 | 196.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 316.45 | 305.55 | 278.45 | 251.35 | 224.15 | 197.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 318.15 | 307.35 | 280.25 | 253.05 | 226.05 | 198.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 318.15 | 307.35 | 280.25 | 253.05 | 226.05 | 198.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 318.15 | 307.35 | 280.25 | 253.05 | 226.05 | 198.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 318.95 | 308.25 | 281.25 | 253.85 | 226.85 | 199.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 320.75 | 309.95 | 282.75 | 255.65 | 228.55 | 204.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 324.55 | 313.85 | 286.85 | 259.45 | 232.45 | 205.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 324.55 | 313.85 | 286.85 | 259.45 | 232.45 | 205.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 325.95 | 315.15 | 287.95 | 260.75 | 233.75 | 206.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 326.05 | 315.05 | 287.25 | 259.55 | 231.85 | 204.15 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 329.50 | 318.50 | 291.10 | 263.70 | 236.25 | 208.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 330.75 | 319.95 | 292.75 | 265.65 | 238.55 | 211.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 332.35 | 321.35 | 293.85 | 266.25 | 238.75 | 211.15 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 333.05 | 322.10 | 294.65 | 267.25 | 239.85 | 212.40 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 333.15 | 322.35 | 300.85 | 273.65 | 246.55 | 226.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 333.45 | 322.45 | 294.65 | 266.95 | 239.25 | 211.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 333.45 | 322.45 | 294.65 | 266.95 | 239.25 | 211.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 335.75 | 325.05 | 298.05 | 270.65 | 243.65 | 216.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 337.25 | 326.25 | 298.45 | 270.75 | 243.05 | 215.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 338.35 | 327.35 | 299.75 | 272.15 | 244.65 | 217.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 338.35 | 327.55 | 300.45 | 273.25 | 246.15 | 219.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 338.35 | 327.55 | 300.45 | 273.25 | 246.15 | 219.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 339.05 | 328.95 | 303.85 | 278.85 | 253.75 | 228.75 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 339.45 | 330.35 | 306.65 | 282.85 | 259.35 | 230.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 340.05 | 329.35 | 302.45 | 274.95 | 248.05 | 221.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 341.55 | 335.25 | 303.35 | 276.05 | 248.85 | 221.55 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 342.05 | 332.05 | 307.15 | 282.15 | 257.25 | 232.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 342.05 | 332.05 | 307.15 | 282.15 | 257.25 | 232.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 342.35 | 331.55 | 304.45 | 277.25 | 250.15 | 223.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 344.05 | 333.25 | 306.05 | 278.95 | 251.85 | 224.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 344.35 | 333.55 | 306.35 | 279.25 | 252.15 | 224.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 344.75 | 334.45 | 309.05 | 283.55 | 258.05 | 232.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 346.05 | 335.25 | 308.15 | 280.95 | 253.95 | 226.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 346.05 | 335.25 | 308.15 | 280.95 | 253.95 | 226.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 346.05 | 335.25 | 308.15 | 280.95 | 253.95 | 226.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 346.25 | 335.45 | 308.35 | 281.15 | 254.15 | 226.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 346.25 | 335.45 | 308.35 | 281.15 | 254.15 | 226.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 346.75 | 340.55 | 308.65 | 281.35 | 254.05 | 226.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 348.15 | 337.45 | 310.45 | 283.05 | 256.05 | 229.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 350.15 | 339.15 | 311.55 | 283.95 | 256.45 | 228.85 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 350.85 | 339.90 | 312.45 | 285.05 | 257.65 | 230.20 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 352.15 | 341.45 | 314.45 | 287.05 | 260.05 | 233.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 354.45 | 343.65 | 316.45 | 289.35 | 262.25 | 235.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 355.35 | 344.55 | 317.45 | 290.35 | 263.25 | 236.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 355.55 | 344.65 | 321.65 | 294.45 | 263.35 | 236.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 356.35 | 345.65 | 318.45 | 291.25 | 264.25 | 237.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 356.75 | 345.85 | 318.55 | 291.25 | 264.05 | 236.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 356.75 | 345.85 | 318.55 | 291.25 | 264.05 | 236.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 357.55 | 346.75 | 329.75 | 302.55 | 267.35 | 240.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 358.15 | 347.25 | 320.25 | 293.05 | 265.95 | 238.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 360.35 | 349.45 | 322.15 | 294.95 | 267.65 | 240.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 362.15 | 351.45 | 324.55 | 297.05 | 270.15 | 243.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 362.85 | 352.05 | 324.85 | 297.75 | 270.65 | 243.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 362.85 | 352.05 | 324.85 | 297.75 | 270.65 | 243.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 366.95 | 355.95 | 328.25 | 300.45 | 272.85 | 245.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 367.35 | 356.65 | 329.65 | 302.25 | 275.25 | 248.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 367.65 | 356.85 | 329.75 | 304.65 | 279.55 | 256.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 370.95 | 360.15 | 332.95 | 305.85 | — | 251.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 371.65 | 360.75 | 333.45 | 306.25 | 278.95 | 251.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 372.15 | 361.45 | 334.25 | 307.15 | 280.05 | 252.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 372.45 | 361.55 | 334.25 | 307.05 | 279.75 | 252.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 373.45 | 367.15 | 335.25 | 308.05 | 280.75 | 253.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 374.15 | 363.45 | 336.25 | 309.05 | — | 254.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 375.05 | 368.85 | 336.85 | 309.65 | 282.35 | 255.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 375.15 | 364.05 | 336.35 | 308.65 | 280.85 | 253.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 375.35 | 364.55 | 337.45 | 310.25 | 283.15 | 256.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 375.75 | 368.95 | 341.85 | 314.75 | 283.55 | 256.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 375.75 | 364.95 | 337.85 | 310.65 | 283.55 | 256.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 376.45 | 365.65 | 338.55 | 311.35 | 284.35 | 257.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 376.45 | 365.55 | 338.35 | 311.05 | 283.75 | 256.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 376.45 | 365.65 | 338.55 | 311.35 | 284.35 | 257.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 376.45 | 365.65 | 338.55 | 311.35 | 284.35 | 257.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 377.25 | 366.55 | 339.55 | 312.15 | 285.15 | 258.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 379.45 | 368.75 | 341.75 | 314.35 | 287.35 | 260.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 379.55 | 368.75 | 341.65 | 314.45 | 287.35 | 260.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 381.65 | 370.95 | 343.95 | 316.55 | 289.55 | 262.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 382.15 | 373.75 | 352.85 | 331.95 | 310.55 | 289.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 383.85 | 373.05 | 345.95 | 320.85 | 295.75 | 272.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 383.95 | 373.05 | 345.85 | 318.55 | 291.25 | 264.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 387.15 | 377.55 | 353.35 | 329.25 | 305.15 | 280.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 387.15 | 380.95 | 349.05 | 321.75 | 294.45 | 267.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 388.15 | 377.35 | 350.05 | 322.75 | 295.55 | 268.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 388.25 | 377.35 | 350.05 | 322.85 | 295.55 | 268.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 389.55 | 378.55 | 350.95 | 323.35 | 295.85 | 268.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 390.25 | 379.55 | 352.65 | 325.15 | 298.25 | 271.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 390.45 | 379.65 | 352.55 | 325.35 | — | 271.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 390.85 | 380.15 | 352.95 | 325.85 | 298.75 | 271.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 392.55 | 381.65 | 354.35 | 327.15 | 299.85 | 272.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 393.75 | 382.95 | 355.75 | 328.65 | — | 274.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 395.25 | 389.05 | 357.05 | 329.85 | 302.55 | 275.35 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 396.05 | 386.25 | 361.55 | 336.85 | 312.15 | 287.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 396.25 | 385.55 | 358.65 | 331.15 | 304.25 | 277.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 396.45 | 385.65 | 358.55 | 331.35 | 304.35 | 277.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 398.65 | 387.75 | 360.45 | 333.25 | 305.95 | 278.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 399.25 | 393.05 | 361.15 | 333.85 | 306.65 | 279.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 400.15 | 389.25 | 362.15 | 335.05 | 307.85 | 280.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 400.45 | 390.55 | 365.55 | 340.65 | 315.75 | 290.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 400.65 | 389.75 | 362.45 | 335.25 | 307.95 | 280.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 401.05 | 390.35 | 363.45 | 336.05 | 313.75 | 292.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 405.35 | 394.45 | 367.15 | 339.95 | 312.65 | 285.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 405.35 | 394.45 | 367.15 | 339.95 | 312.65 | 285.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 406.75 | 395.95 | 368.85 | 341.65 | — | 287.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 413.05 | 402.25 | 375.05 | 347.95 | 320.85 | 293.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 415.75 | 406.55 | 383.75 | 360.95 | 338.15 | 315.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 418.15 | 407.25 | 379.95 | 352.75 | 325.45 | 298.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 422.45 | 411.55 | 384.25 | 357.05 | 329.75 | 302.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 429.35 | 418.75 | 391.75 | 364.25 | 337.35 | 310.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 439.25 | 428.45 | 401.25 | 374.15 | — | 319.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 440.65 | 429.65 | 402.25 | 374.85 | 347.45 | 320.05 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 441.50 | 432.55 | 401.30 | 374.50 | 343.25 | 314.65 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 454.45 | 443.65 | 416.25 | 388.75 | 361.45 | 333.95 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 465.00 | 455.60 | 427.40 | 399.20 | 371.00 | 338.10 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident.md

## With accident cover: from 202.95 to 483.80 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **331.25 CHF** a month with **CSS** (HMO (health practice)), the most expensive 483.80 CHF with Einsiedler Krankenkasse (Standard model).

Lowest premium:
- 300 CHF: 331.25 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-300/
- 500 CHF: 319.65 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-500/
- 1'000 CHF: 290.45 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 261.25 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 232.15 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 202.95 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 331.25 | 319.65 | 290.45 | 261.25 | 232.15 | 202.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 331.75 | 320.15 | 290.95 | 261.75 | 232.65 | 203.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 334.65 | 323.05 | 293.85 | 264.65 | 235.55 | 206.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 336.15 | 324.55 | 295.35 | 266.15 | 237.05 | 207.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 336.25 | 324.65 | 295.45 | 266.25 | 237.15 | 207.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 339.70 | 328.10 | 298.90 | 269.70 | 240.60 | 211.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 339.70 | 328.10 | 298.90 | 269.70 | 240.60 | 211.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 339.70 | 328.10 | 298.90 | 269.70 | 240.60 | 211.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 339.85 | 328.25 | 299.05 | 269.85 | 240.75 | 211.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 339.85 | 328.25 | 299.05 | 269.85 | 240.75 | 211.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 340.55 | 328.85 | 299.75 | 270.55 | 241.35 | 212.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 342.45 | 330.85 | 301.65 | 272.45 | 243.35 | 214.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 342.45 | 330.85 | 301.65 | 272.45 | 243.35 | 214.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 342.45 | 330.85 | 301.65 | 272.45 | 243.35 | 214.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 343.35 | 331.85 | 302.85 | 273.35 | 244.35 | 215.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 343.45 | 331.85 | 302.65 | 273.45 | 244.35 | 215.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 345.25 | 333.65 | 304.45 | 275.25 | 246.15 | 219.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 349.35 | 337.85 | 308.85 | 279.35 | 250.35 | 221.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 349.35 | 337.85 | 308.85 | 279.35 | 250.35 | 221.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 350.45 | 338.85 | 309.65 | 280.45 | 251.35 | 222.15 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 350.85 | 339.20 | 310.00 | 280.85 | 251.70 | 222.50 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 351.25 | 339.65 | 310.45 | 281.25 | 252.15 | 222.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 351.25 | 339.65 | 310.45 | 281.25 | 252.15 | 222.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 351.95 | 340.35 | 311.15 | 281.95 | 252.85 | 223.65 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 354.65 | 342.95 | 313.80 | 284.65 | 255.45 | 226.30 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 355.25 | 343.65 | 314.45 | 285.25 | 256.15 | 226.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 355.95 | 344.35 | 315.15 | 285.95 | 256.85 | 227.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 357.15 | 346.55 | 320.15 | 293.75 | 267.35 | 241.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 358.25 | 346.65 | 317.45 | 288.25 | 259.15 | 229.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 358.65 | 347.05 | 323.85 | 294.65 | 265.55 | 244.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 361.35 | 349.85 | 320.85 | 291.35 | 262.35 | 233.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 363.15 | 352.35 | 325.55 | 298.75 | 271.85 | 245.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 364.15 | 352.55 | 323.35 | 294.15 | 265.05 | 235.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 364.15 | 352.55 | 323.35 | 294.15 | 265.05 | 235.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 365.35 | 355.45 | 330.05 | 304.55 | 279.15 | 247.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 365.75 | 359.05 | 324.95 | 295.75 | 266.55 | 237.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 366.05 | 354.55 | 325.55 | 296.05 | 267.05 | 238.05 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 368.15 | 357.35 | 330.65 | 303.75 | 276.95 | 250.15 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 368.15 | 357.35 | 330.65 | 303.75 | 276.95 | 250.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 368.45 | 356.85 | 327.65 | 298.45 | 269.35 | 240.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 370.25 | 358.65 | 329.45 | 300.25 | 271.15 | 241.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 370.55 | 358.95 | 329.75 | 300.55 | 271.45 | 242.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 370.75 | 359.15 | 329.95 | 300.75 | 271.65 | 242.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 371.35 | 364.75 | 330.55 | 301.35 | 272.25 | 243.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 372.45 | 360.85 | 331.65 | 302.45 | 273.35 | 244.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 372.45 | 360.85 | 331.65 | 302.45 | 273.35 | 244.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 372.45 | 360.85 | 331.65 | 302.45 | 273.35 | 244.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 372.75 | 361.15 | 331.95 | 302.75 | 273.65 | 244.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 372.75 | 361.15 | 331.95 | 302.75 | 273.65 | 244.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 373.55 | 361.90 | 332.75 | 303.55 | 274.40 | 245.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 374.75 | 363.25 | 334.25 | 304.75 | 275.75 | 246.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 379.05 | 367.55 | 338.55 | 309.05 | 280.05 | 251.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 381.45 | 369.85 | 340.65 | 311.45 | 282.35 | 253.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 381.85 | 370.25 | 341.05 | 311.85 | 282.75 | 253.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 381.85 | 370.25 | 341.05 | 311.85 | 282.75 | 253.55 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 382.45 | 370.85 | 341.65 | 312.55 | 283.35 | 254.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 382.65 | 371.05 | 346.15 | 317.05 | 283.55 | 254.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 383.55 | 371.95 | 342.75 | 313.55 | 284.45 | 255.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 384.85 | 373.15 | 354.95 | 325.75 | 287.85 | 258.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 385.45 | 373.75 | 344.65 | 315.45 | 286.25 | 257.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 385.85 | 374.25 | 345.05 | 315.85 | 286.75 | 257.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 386.55 | 374.95 | 345.75 | 316.55 | 287.45 | 258.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 389.85 | 378.35 | 349.35 | 319.85 | 290.85 | 261.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 390.45 | 378.85 | 349.65 | 320.45 | 291.35 | 262.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 390.45 | 378.85 | 349.65 | 320.45 | 291.35 | 262.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 395.15 | 383.45 | 354.35 | 325.15 | 295.95 | 266.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 395.35 | 383.85 | 354.85 | 325.35 | 296.35 | 267.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 395.75 | 384.05 | 354.95 | 327.95 | 300.95 | 276.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 397.95 | 386.35 | 357.15 | 327.95 | 298.85 | 269.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 398.85 | 387.15 | 358.05 | 328.85 | 299.65 | 270.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 399.25 | 387.65 | 358.45 | 329.25 | — | 270.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 399.95 | 393.25 | 359.05 | 329.95 | 300.75 | 271.55 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 400.55 | 388.95 | 359.75 | 330.65 | 301.45 | 272.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 401.65 | 394.95 | 360.75 | 331.65 | 302.45 | 273.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 402.75 | 391.15 | 361.95 | 332.75 | — | 274.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 403.15 | 391.45 | 362.35 | 333.15 | 303.95 | 274.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 403.95 | 392.35 | 363.15 | 333.95 | 304.85 | 275.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 404.45 | 397.15 | 367.95 | 338.85 | 305.25 | 276.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 404.45 | 392.75 | 363.65 | 334.45 | 305.25 | 276.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 405.15 | 393.55 | 364.35 | 335.15 | 306.05 | 276.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 405.15 | 393.55 | 364.35 | 335.15 | 306.05 | 276.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 405.15 | 393.55 | 364.35 | 335.15 | 306.05 | 276.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 406.05 | 394.55 | 365.55 | 336.05 | 307.05 | 278.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 408.35 | 396.85 | 367.85 | 338.35 | 309.35 | 280.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 408.45 | 396.85 | 367.65 | 338.45 | 309.35 | 280.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 410.75 | 399.25 | 370.25 | 340.75 | 311.75 | 282.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 411.15 | 399.55 | 370.35 | 341.15 | 312.05 | 282.85 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 411.25 | 402.25 | 379.75 | 357.25 | 334.25 | 311.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 412.15 | 401.95 | 376.25 | 350.55 | 324.95 | 299.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 412.45 | 400.85 | 371.65 | 342.45 | 313.35 | 284.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 413.15 | 401.55 | 372.35 | 345.35 | 318.35 | 293.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 414.65 | 407.95 | 373.75 | 344.65 | 315.45 | 286.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 415.45 | 403.85 | 374.65 | 345.45 | 316.35 | 287.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 415.75 | 404.05 | 374.95 | 345.75 | 316.55 | 287.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 420.05 | 408.55 | 379.55 | 350.05 | 321.05 | 292.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 420.25 | 408.65 | 379.45 | 350.25 | — | 291.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 420.35 | 408.65 | 379.45 | 350.35 | 321.15 | 291.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 420.65 | 409.05 | 379.85 | 350.75 | 321.55 | 292.35 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 421.65 | 411.15 | 384.95 | 358.65 | 332.45 | 306.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 423.25 | 416.55 | 382.45 | 353.25 | 324.05 | 294.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 423.75 | 412.15 | 382.95 | 353.75 | — | 295.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 426.35 | 415.85 | 389.25 | 362.65 | 336.15 | 309.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 426.45 | 414.95 | 385.95 | 356.45 | 327.45 | 298.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 426.65 | 415.05 | 385.85 | 356.65 | 327.55 | 298.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 426.85 | 415.25 | 386.05 | 356.85 | 327.75 | 298.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 427.55 | 420.95 | 386.75 | 357.55 | 328.45 | 299.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 429.05 | 417.35 | 388.15 | 359.05 | 329.85 | 300.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 430.55 | 418.95 | 389.75 | 360.55 | 331.45 | 302.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 431.65 | 420.05 | 391.15 | 361.65 | 337.75 | 314.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 434.05 | 422.35 | 393.25 | 364.05 | 334.85 | 305.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 434.05 | 422.35 | 393.25 | 364.05 | 334.85 | 305.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 437.75 | 426.15 | 396.95 | 367.75 | — | 309.45 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 444.20 | 435.20 | 403.75 | 376.80 | 345.35 | 316.60 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 444.45 | 432.85 | 403.65 | 374.45 | 345.35 | 316.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 447.45 | 437.45 | 412.95 | 388.45 | 363.95 | 339.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 447.75 | 436.05 | 406.95 | 377.75 | 348.55 | 319.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 452.35 | 440.65 | 411.45 | 382.35 | 353.15 | 323.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 462.05 | 450.55 | 421.55 | 392.05 | 363.05 | 334.05 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 467.85 | 458.40 | 430.00 | 401.65 | 373.25 | 340.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 469.05 | 457.45 | 428.25 | 399.05 | 369.95 | 340.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.65 | 461.05 | 431.85 | 402.65 | — | 344.35 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 483.80 | 472.25 | 443.05 | 413.85 | 384.85 | 355.55 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident.md

## With accident cover: from 65.75 to 152.75 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 0 CHF, the cheapest is **100.75 CHF** a month with **ÖKK** (HMO model), the most expensive 152.75 CHF with Sympany (Standard model).

Lowest premium:
- 0 CHF: 100.75 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-0/
- 100 CHF: 97.65 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-100/
- 200 CHF: 89.15 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-200/
- 300 CHF: 85.95 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-300/
- 400 CHF: 77.45 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-400/
- 500 CHF: 74.25 CHF (Helsana, BeneFit PLUS Hausarzt R1) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-500/
- 600 CHF: 65.75 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-600/

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 100.75 | — | 89.15 | — | 77.45 | — | 65.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 103.25 | — | 91.65 | — | 79.95 | — | 68.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 103.25 | — | 91.65 | — | 79.95 | — | 68.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 103.35 | — | — | — | — | 74.25 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 103.35 | — | — | — | — | 74.25 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 103.35 | — | — | — | — | 74.25 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 103.45 | 97.65 | 91.85 | 85.95 | 80.15 | — | 68.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 103.85 | 98.05 | 92.25 | 86.35 | 80.55 | — | 68.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 103.95 | — | 93.45 | 88.15 | 82.95 | 77.55 | 72.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 105.05 | — | 93.45 | — | 81.75 | — | 70.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 105.15 | 99.35 | 93.55 | 87.65 | 81.85 | 76.05 | 70.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 105.75 | 99.95 | 94.15 | 88.25 | 82.45 | 76.65 | 70.75 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 105.85 | 100.05 | 94.20 | 88.35 | 82.55 | 76.70 | 70.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 105.85 | — | 95.05 | 89.75 | 84.35 | 78.95 | 73.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 105.95 | — | — | — | — | 76.85 | — |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 106.25 | 100.45 | 94.65 | 88.75 | 82.95 | 77.15 | 71.25 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 107.05 | 101.20 | 95.40 | 89.55 | 83.70 | 77.90 | 72.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 108.15 | 102.35 | 96.55 | 90.65 | 84.85 | 79.05 | 73.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 108.15 | — | 98.95 | — | 89.75 | — | 80.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 108.45 | — | — | — | — | 79.35 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 108.45 | — | — | — | — | 79.35 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 109.05 | 103.25 | 97.45 | 91.55 | 85.75 | — | 74.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 109.55 | 103.75 | 97.95 | 92.05 | 86.25 | 80.45 | 74.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 109.65 | — | 100.25 | — | 90.95 | — | 81.55 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 110.05 | 105.15 | 100.15 | 95.05 | 89.95 | 82.75 | — |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 111.05 | 105.65 | 100.35 | 94.85 | 89.55 | 84.25 | 78.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 111.05 | 105.65 | 100.35 | 94.85 | 89.55 | 84.25 | 78.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 111.25 | 105.45 | 99.65 | 93.75 | 87.95 | — | 76.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 112.05 | 106.25 | 100.45 | 94.55 | 88.75 | 82.95 | 77.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 112.35 | — | — | — | — | 83.25 | — |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 112.95 | 107.10 | 101.30 | 95.45 | 89.60 | 83.80 | 77.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 113.65 | — | — | — | — | 84.55 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 115.25 | — | 103.65 | — | 91.95 | — | 80.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 115.35 | 109.55 | 103.75 | 97.95 | 92.05 | 86.25 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 115.45 | — | 103.75 | 97.95 | 92.15 | 86.25 | 80.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 115.95 | 110.15 | 104.35 | 98.45 | 92.65 | 86.85 | 80.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 115.95 | 110.15 | 104.35 | 98.45 | 92.65 | 86.85 | 80.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 116.75 | 110.95 | 105.15 | — | 93.45 | — | 81.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 116.75 | — | 106.95 | — | 96.95 | — | 87.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 116.95 | 111.85 | 106.75 | 101.55 | 96.75 | 91.35 | 86.15 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 117.40 | 112.50 | 106.35 | 100.25 | 94.10 | 89.20 | 83.10 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 117.85 | 116.95 | 115.95 | 114.95 | 113.95 | 112.95 | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 117.85 | 116.95 | 115.95 | 114.95 | 113.95 | 112.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 118.25 | — | 108.25 | — | 98.15 | — | 88.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 118.75 | 112.95 | 107.15 | 101.25 | 95.45 | 89.65 | 83.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 118.95 | 113.15 | 107.35 | 101.45 | 95.65 | — | 83.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 119.05 | 113.25 | 107.45 | 101.55 | 95.75 | 89.95 | 84.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 119.75 | 114.55 | 109.35 | 104.05 | 99.05 | 93.55 | 88.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 119.75 | 113.95 | 108.15 | 102.25 | 96.45 | 90.65 | 84.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 119.95 | 114.15 | 108.35 | 102.45 | 96.65 | 90.85 | 84.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 119.95 | 114.15 | 108.35 | 102.45 | 96.65 | 90.85 | 84.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 119.95 | 114.15 | 108.35 | 102.45 | 96.65 | 90.85 | 84.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 119.95 | 114.15 | 108.35 | 102.45 | 96.65 | 90.85 | 84.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 120.05 | 114.25 | 108.35 | 102.55 | 96.75 | 90.85 | 85.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 120.05 | 114.25 | 108.45 | 102.55 | 96.75 | 90.95 | 85.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 120.05 | 114.25 | 108.45 | 102.55 | 96.75 | 90.95 | 85.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 120.45 | 114.65 | 108.85 | 102.95 | 97.15 | 91.35 | 85.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 120.45 | 114.65 | 108.85 | 102.95 | 97.15 | 91.35 | 85.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 120.75 | 114.95 | 109.15 | 103.25 | 97.45 | 91.65 | 85.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 120.75 | 114.95 | 109.15 | 103.25 | 97.45 | 91.65 | 85.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 121.05 | 115.25 | 109.45 | 103.55 | 97.75 | 92.05 | 86.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 121.05 | 115.25 | 109.45 | — | 97.75 | — | 86.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 121.15 | 115.85 | 110.55 | 105.25 | 100.25 | 94.65 | 89.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 121.35 | 115.55 | 109.75 | 103.85 | 98.05 | 92.25 | 86.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 121.45 | 115.65 | 109.85 | 103.95 | 98.15 | 92.35 | 86.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 121.45 | 115.65 | 109.85 | 103.95 | 98.15 | 92.35 | 86.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 121.85 | 115.95 | 110.15 | 104.35 | 98.45 | 92.65 | 86.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 121.95 | 116.15 | 110.25 | 104.45 | 98.65 | 92.75 | 86.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 122.15 | 116.35 | 110.55 | 104.65 | 98.85 | 93.05 | 87.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 122.25 | 116.45 | 110.55 | 104.75 | 98.95 | 93.05 | 87.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 122.25 | 116.45 | 110.65 | 104.75 | 98.95 | 93.15 | 87.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 123.25 | — | 114.35 | — | 102.65 | — | 91.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 123.85 | 118.05 | 112.25 | — | 100.55 | — | 88.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 123.85 | 118.05 | 112.25 | — | 100.55 | — | 88.85 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 123.85 | 118.70 | 112.25 | 107.10 | 100.65 | 95.45 | 89.00 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 123.85 | 118.05 | 112.25 | 106.35 | 100.55 | 94.75 | 88.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 123.95 | — | 113.55 | — | 102.95 | — | 92.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 124.05 | — | — | — | — | 94.95 | — |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 124.25 | 118.35 | 112.55 | 106.75 | 100.85 | 95.05 | 89.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 124.95 | 119.15 | 113.35 | 107.45 | 101.65 | 95.85 | 89.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 124.95 | 119.15 | 113.35 | 107.45 | 101.65 | 95.85 | 89.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 125.05 | 119.25 | 113.45 | 107.55 | 101.75 | 95.95 | 90.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 125.35 | 119.55 | 113.75 | — | 102.05 | — | 90.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 125.65 | 119.85 | 114.05 | 108.15 | 102.35 | 96.55 | 90.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 126.85 | 125.85 | 124.85 | 123.85 | 122.85 | 121.85 | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 127.25 | 121.45 | 115.65 | 109.85 | 103.95 | 98.15 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 128.85 | — | 119.95 | — | 108.25 | — | 96.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 129.55 | — | 120.65 | — | 108.95 | — | 97.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 131.35 | 125.55 | 119.65 | 113.85 | 108.05 | 102.15 | 96.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 131.85 | — | — | 114.35 | — | — | 96.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 132.25 | — | 120.55 | — | 108.85 | — | 97.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.85 | 127.05 | 121.25 | 115.35 | 109.55 | 103.75 | 97.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 133.05 | — | 122.75 | — | 111.05 | — | 99.35 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 133.65 | 127.85 | 122.05 | 116.15 | 110.65 | 104.55 | 98.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 134.35 | — | 122.75 | — | 111.05 | — | 99.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 134.35 | — | 122.75 | — | 111.05 | — | 99.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 134.35 | — | 122.75 | — | 111.05 | — | 99.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 134.55 | — | 122.95 | — | 111.25 | — | 99.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 135.35 | — | 123.65 | — | 112.05 | — | 100.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 135.35 | — | 123.65 | — | 112.05 | — | 100.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 135.35 | — | 123.65 | — | 112.05 | — | 100.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 135.45 | 129.65 | 123.85 | 117.95 | 112.15 | 106.35 | 100.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 135.45 | 129.65 | 123.85 | 117.95 | 112.15 | 106.35 | 100.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 135.75 | 129.95 | 124.05 | 118.25 | 112.45 | 106.55 | 100.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.65 | 130.85 | 125.05 | — | 113.35 | — | 101.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 137.85 | 131.95 | 126.15 | 120.35 | 114.45 | 108.65 | 102.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 138.15 | — | 126.55 | — | 114.85 | — | 103.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 138.55 | — | — | 121.05 | — | — | 103.55 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 138.65 | 132.95 | 129.65 | 121.15 | 115.35 | 109.55 | 103.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 140.15 | 134.35 | 128.45 | 122.65 | 116.85 | 110.95 | 105.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 140.15 | 134.35 | 128.45 | 122.65 | 116.85 | 110.95 | 105.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 140.15 | 134.35 | 128.45 | 122.65 | 116.85 | 110.95 | 105.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 140.15 | 134.35 | 128.45 | 122.65 | 116.85 | 110.95 | 105.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 140.15 | 134.35 | 128.45 | 122.65 | 116.85 | 110.95 | 105.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 141.65 | 135.75 | 129.95 | 124.15 | 118.25 | 112.45 | 106.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 141.95 | 136.15 | 130.35 | 124.45 | 118.65 | 112.85 | 106.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 141.95 | 136.15 | 130.35 | 124.45 | 118.65 | 112.85 | 106.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 141.95 | 136.15 | 130.35 | 124.45 | 118.65 | 112.85 | 106.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.45 | 137.65 | 131.75 | 125.95 | 120.15 | 114.25 | 108.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.45 | 137.65 | 131.85 | 125.95 | 120.15 | 114.35 | 108.45 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.75 | — | — | 126.35 | — | — | 108.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 152.75 | — | 141.05 | — | 129.35 | — | 117.75 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident.md

## Without accident cover: from 60.85 to 141.75 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 0 CHF, the cheapest is **93.35 CHF** a month with **ÖKK** (HMO model), the most expensive 141.75 CHF with Sympany (Standard model).

Lowest premium:
- 0 CHF: 93.35 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-0/
- 100 CHF: 90.45 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-100/
- 200 CHF: 82.55 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-200/
- 300 CHF: 79.55 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-300/
- 400 CHF: 71.75 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-400/
- 500 CHF: 68.75 CHF (Helsana, BeneFit PLUS Hausarzt R1) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-500/
- 600 CHF: 60.85 CHF (ÖKK, HMO model) — https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-600/

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 93.35 | — | 82.55 | — | 71.75 | — | 60.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 95.75 | — | 84.95 | — | 74.05 | — | 63.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 95.75 | — | 84.95 | — | 74.05 | — | 63.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 95.85 | 90.45 | 85.05 | 79.55 | 74.15 | — | 63.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 95.85 | — | — | — | — | 68.75 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 95.85 | — | — | — | — | 68.75 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 95.85 | — | — | — | — | 68.75 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 96.15 | 90.75 | 85.35 | 79.95 | 74.55 | — | 63.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 97.35 | — | 86.55 | — | 75.75 | — | 64.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 97.45 | 92.05 | 86.65 | 81.25 | 75.85 | 70.45 | 64.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 98.05 | 92.65 | 87.25 | 81.75 | 76.35 | 70.95 | 65.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 98.25 | — | — | — | — | 71.15 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 98.45 | — | 88.55 | 83.45 | 78.55 | 73.45 | 68.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 99.20 | 93.70 | 88.25 | 82.75 | 77.25 | 71.80 | 66.30 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 100.15 | 94.65 | 89.25 | 83.65 | 78.15 | 72.65 | 67.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 100.15 | — | 91.65 | — | 83.05 | — | 74.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 100.30 | 94.85 | 89.35 | 83.85 | 78.40 | 72.90 | 67.40 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 100.35 | — | 90.05 | 85.05 | 79.85 | 74.75 | 69.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 100.55 | — | — | — | — | 73.45 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 100.55 | — | — | — | — | 73.45 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 101.05 | 95.65 | 90.25 | 84.75 | 79.35 | — | 68.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 101.55 | — | 92.85 | — | 84.15 | — | 75.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 101.55 | 96.15 | 90.75 | 85.25 | 79.95 | 74.55 | 69.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 101.95 | 96.45 | 91.05 | 85.45 | 79.95 | 74.45 | 68.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 102.05 | 97.45 | 92.75 | 88.05 | 83.25 | 76.65 | — |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 102.95 | 97.95 | 93.05 | 87.85 | 82.95 | 78.05 | 72.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 102.95 | 97.95 | 93.05 | 87.85 | 82.95 | 78.05 | 72.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 103.15 | 97.75 | 92.35 | 86.85 | 81.45 | — | 70.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 104.15 | — | — | — | — | 77.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 105.35 | — | — | — | — | 78.35 | — |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 105.65 | 100.15 | 94.65 | 89.15 | 83.65 | 78.15 | 72.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 105.85 | 100.40 | 94.90 | 89.40 | 83.95 | 78.45 | 72.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 106.85 | — | 96.05 | — | 85.25 | — | 74.35 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 106.95 | 101.55 | 96.15 | 90.75 | 85.25 | 79.95 | — |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 107.55 | 102.15 | 96.75 | 91.25 | 85.85 | 80.45 | 74.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 107.55 | 102.15 | 96.75 | 91.25 | 85.85 | 80.45 | 74.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 108.15 | — | 99.05 | — | 89.75 | — | 80.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.45 | — | 98.35 | 92.75 | 87.25 | 81.65 | 76.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 109.55 | — | 100.25 | — | 90.85 | — | 81.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 109.65 | 104.85 | 100.05 | 95.15 | 90.65 | 85.55 | 80.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 109.95 | 109.05 | 108.15 | 107.15 | 106.25 | 105.35 | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 109.95 | 109.05 | 108.15 | 107.15 | 106.25 | 105.35 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 110.25 | 104.85 | 99.45 | 93.95 | 88.55 | — | 77.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 110.25 | 104.85 | 99.45 | 93.95 | 88.55 | 83.15 | 77.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 110.45 | 105.05 | 99.65 | 94.15 | 88.75 | 83.35 | 77.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 110.65 | 105.15 | 99.65 | — | 88.55 | — | 77.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 111.05 | 105.65 | 100.25 | 94.75 | 89.35 | 83.95 | 78.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 111.25 | 105.85 | 100.45 | 94.95 | 89.65 | 84.25 | 78.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 111.30 | 105.90 | 100.50 | 95.05 | 89.65 | 84.25 | 78.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 111.30 | 105.90 | 100.50 | 95.05 | 89.65 | 84.25 | 78.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 111.30 | 105.90 | 100.50 | 95.05 | 89.65 | 84.25 | 78.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 111.30 | 105.90 | 100.50 | 95.05 | 89.65 | 84.25 | 78.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 111.45 | 106.05 | 100.65 | 95.15 | 89.75 | 84.35 | 78.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 111.65 | 106.25 | 100.95 | 95.45 | 90.05 | 84.65 | 79.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 111.65 | 106.25 | 100.95 | 95.45 | 90.05 | 84.65 | 79.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 111.85 | 106.45 | 100.95 | 95.55 | 90.05 | 84.65 | 79.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 111.95 | 106.55 | 101.15 | 95.65 | 90.25 | 84.85 | 79.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 111.95 | 106.55 | 101.15 | 95.65 | 90.25 | 84.85 | 79.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 112.25 | 106.85 | 101.45 | 95.95 | 90.55 | 85.25 | 79.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 112.25 | 107.35 | 102.45 | 97.45 | 92.85 | 87.65 | 82.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 112.55 | 107.15 | 101.75 | 96.35 | 90.95 | 85.55 | 80.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 112.55 | 107.15 | 101.75 | 96.35 | 90.95 | 85.55 | 80.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 112.65 | 107.25 | 101.85 | 96.35 | 90.95 | 85.55 | 80.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 113.25 | 107.85 | 102.45 | 96.95 | 91.55 | 86.15 | 80.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 113.35 | 107.95 | 102.55 | 97.15 | 91.75 | 86.35 | 80.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 113.55 | 108.65 | 103.65 | 98.65 | 93.85 | 88.65 | 83.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 113.55 | 108.15 | 102.65 | 97.15 | 91.75 | 86.25 | 80.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 113.65 | 108.25 | 102.75 | 97.35 | 91.85 | 86.45 | 80.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 113.95 | 108.45 | 103.05 | 97.55 | 92.15 | 86.65 | 81.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 114.25 | — | 106.05 | — | 95.15 | — | 84.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 114.75 | 109.25 | 103.75 | — | 92.65 | — | 81.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 114.85 | — | 105.15 | — | 95.35 | — | 85.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.95 | 109.55 | 104.15 | 98.75 | 93.35 | 87.95 | 82.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 115.05 | — | — | — | — | 87.95 | — |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 115.75 | 110.35 | 104.85 | 99.45 | 93.95 | 88.55 | 83.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 115.85 | 110.45 | 105.05 | 99.55 | 94.15 | 88.75 | 83.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 115.85 | 110.45 | 105.05 | 99.55 | 94.15 | 88.75 | 83.35 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 116.65 | 111.80 | 105.70 | 99.60 | 93.50 | 88.65 | 82.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 117.15 | 111.75 | 106.25 | 100.75 | 95.35 | 89.85 | 84.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 117.45 | 111.85 | 106.35 | — | 95.25 | — | 84.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 117.45 | 111.85 | 106.35 | — | 95.25 | — | 84.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 117.95 | 112.45 | 106.95 | 101.45 | 95.95 | 90.45 | 84.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 118.05 | 112.65 | 107.25 | 101.85 | 96.35 | 90.95 | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 118.35 | 117.35 | 116.45 | 115.55 | 114.55 | 113.65 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 118.85 | 113.35 | 107.85 | — | 96.65 | — | 85.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 119.45 | — | 111.15 | — | 100.35 | — | 89.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 120.05 | — | 111.85 | — | 100.95 | — | 90.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 122.35 | — | — | 106.05 | — | — | 89.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 122.45 | 117.05 | 111.55 | 106.05 | 100.65 | 95.15 | 89.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 122.65 | — | 111.85 | — | 100.95 | — | 90.15 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 123.10 | 117.95 | 111.55 | 106.45 | 100.00 | 94.85 | 88.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 123.25 | 117.85 | 112.45 | 106.95 | 101.55 | 96.15 | 90.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 123.35 | — | 113.75 | — | 102.95 | — | 92.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 124.65 | — | 113.75 | — | 102.95 | — | 92.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 124.65 | — | 113.75 | — | 102.95 | — | 92.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 124.65 | — | 113.75 | — | 102.95 | — | 92.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 124.85 | — | 114.05 | — | 103.15 | — | 92.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 125.35 | 119.85 | 114.45 | 108.85 | 103.65 | 97.95 | 92.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 125.55 | — | 114.65 | — | 103.85 | — | 93.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 125.55 | — | 114.65 | — | 103.85 | — | 93.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 125.55 | — | 114.65 | — | 103.85 | — | 93.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 125.65 | 120.25 | 114.85 | 109.35 | 103.95 | 98.55 | 93.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 125.65 | 120.25 | 114.85 | 109.35 | 103.95 | 98.55 | 93.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 126.55 | 121.15 | 115.65 | 110.25 | 104.75 | 99.25 | 93.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 128.15 | — | 117.35 | — | 106.45 | — | 95.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 128.45 | 123.05 | 117.55 | 112.15 | 106.65 | 101.25 | 95.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 128.55 | — | — | 112.25 | — | — | 95.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 129.55 | 124.05 | 118.55 | — | 107.45 | — | 96.35 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 130.05 | 124.75 | 121.65 | 113.65 | 108.15 | 102.75 | 97.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 130.65 | 125.25 | 119.75 | 114.35 | 108.85 | 103.45 | 97.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 130.65 | 125.25 | 119.75 | 114.35 | 108.85 | 103.45 | 97.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 130.65 | 125.25 | 119.75 | 114.35 | 108.85 | 103.45 | 97.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 130.65 | 125.25 | 119.75 | 114.35 | 108.85 | 103.45 | 97.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 130.65 | 125.25 | 119.75 | 114.35 | 108.85 | 103.45 | 97.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 132.05 | 126.55 | 121.15 | 115.65 | 110.25 | 104.75 | 99.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 132.35 | 126.95 | 121.45 | 116.05 | 110.55 | 105.15 | 99.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 132.35 | 126.95 | 121.45 | 116.05 | 110.55 | 105.15 | 99.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 132.35 | 126.95 | 121.45 | 116.05 | 110.55 | 105.15 | 99.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 133.35 | — | — | 117.15 | — | — | 100.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 133.75 | 128.35 | 122.85 | 117.45 | 111.95 | 106.45 | 101.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 133.75 | 128.35 | 122.85 | 117.45 | 111.95 | 106.55 | 101.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 141.75 | — | 130.85 | — | 119.95 | — | 109.15 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurer is the cheapest in Emmen in 2026?

For [an adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/): Atupri (HMO) at 429.00 CHF a month with a [deductible of 300 CHF](https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-300/), and Atupri (HMO) at 301.95 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/deductible-2500/). Each situation above leads to the full list of offers.

### Are the premiums the same across the whole region?

Yes. Emmen is in premium region 1 of [canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/): every municipality in that region has exactly the same premiums. The region depends on your municipality of residence, not your postcode.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The deductible changes on the same date, by telling your insurer.

### Do I need to include accident cover?

Generally no if you work at least 8 hours a week for the same employer: their accident insurance (UVG/LAA) also covers non-occupational accidents. Otherwise, include accident cover if you are not already fully covered by another UVG/LAA accident policy.

### Why is the FOPH-approved premium higher than the price shown?

The amount shown is the FOPH-approved premium, the same one as on priminfo.admin.ch, less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person receives 61.80 CHF, which the insurer deducts from the invoices: 5.15 CHF a month, the same amount for everyone. The approved premium of 429.00 CHF at Atupri therefore gives 423.85 CHF; the ranking does not change. Your invoice may still differ, for example with your canton’s individual premium reduction.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/lu/emmen/

## Related pages

- For an adult aged 26 or over: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/
- For a young adult aged 19 to 25: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/
- For a child aged 0 to 18: https://praemiencheck.onedoc.ch/en/lu/emmen/child/
- Without accident cover: from 301.95 to 590.65 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/no-accident/
- With accident cover: from 318.15 to 635.45 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/with-accident/
- Without accident cover: from 188.35 to 465.00 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/
- With accident cover: from 202.95 to 483.80 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/
- With accident cover: from 65.75 to 152.75 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/
- Without accident cover: from 60.85 to 141.75 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/lu/emmen/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…) and `emmen` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.