# Health insurance premiums 2026 in Emmen (LU), for a child aged 0 to 18, deductible of 0 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Emmen](https://praemiencheck.onedoc.ch/en/lu/emmen/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/emmen/child/) with a 0 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/), the cheapest monthly basic insurance premium is **93.35 CHF** with **ÖKK** (HMO model model) and the most expensive is 141.75 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (0 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 | +2.3 % |
| [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 | 0.0 % |
| [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 | 0.0 % |
| [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 | +3.0 % |
| [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 | — | +4.7 % |
| [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 | — | +4.7 % |
| [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 | — | +3.4 % |
| [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 | +1.1 % |
| [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 | 0.0 % |
| [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 | +0.3 % |
| [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 | +3.2 % |
| [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 | — | +4.7 % |
| [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 | +1.5 % |
| [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 | +7.0 % |
| [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 | +7.3 % |
| [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 | +5.7 % |
| [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 | +6.5 % |
| [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 | +1.6 % |
| [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 | — | +4.7 % |
| [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 | — | New tariff 2026 |
| [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 | +4.6 % |
| [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 | −1.7 % |
| [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 | +3.1 % |
| [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 | +7.2 % |
| [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 | — | +4.1 % |
| [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 | +6.5 % |
| [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 | +6.5 % |
| [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 | +4.8 % |
| [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 | — | +5.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 105.35 | — | — | — | — | 78.35 | — | +5.7 % |
| [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 | +7.3 % |
| [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 | +7.0 % |
| [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 | 0.0 % |
| [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 | — | +4.0 % |
| [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 | New tariff 2026 |
| [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 | +3.2 % |
| [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 | +6.9 % |
| [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 | +1.5 % |
| [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 | +3.2 % |
| [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 | +13.6 % |
| [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 | — | +8.6 % |
| [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 | — | +8.6 % |
| [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 | +2.4 % |
| [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 | New tariff 2026 |
| [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 | +8.0 % |
| [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 | +3.9 % |
| [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 | +8.0 % |
| [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 | +3.1 % |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | +7.9 % |
| [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 | +7.9 % |
| [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 | −1.3 % |
| [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 | +9.3 % |
| [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 | +9.3 % |
| [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 | +6.4 % |
| [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 | +13.5 % |
| [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 | +3.1 % |
| [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 | +3.1 % |
| [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 | New tariff 2026 |
| [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 | +9.3 % |
| [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 | +3.1 % |
| [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 | +13.6 % |
| [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 | +7.5 % |
| [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 | New tariff 2026 |
| [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 | +0.5 % |
| [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 | −1.8 % |
| [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 | +5.1 % |
| [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 | +4.4 % |
| [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 | +3.7 % |
| [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 | — | +5.8 % |
| [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 | +7.6 % |
| [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 | +9.3 % |
| [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 | +2.5 % |
| [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 | +4.7 % |
| [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 | +7.6 % |
| [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 | +4.5 % |
| [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 | +4.5 % |
| [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 | +6.0 % |
| [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 | — | +4.1 % |
| [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 | — | +8.0 % |
| [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 | +4.5 % |
| [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 | +1.9 % |
| [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 | +5.7 % |
| [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 | +6.0 % |
| [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 | +1.4 % |
| [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 | +16.5 % |
| [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 | +4.9 % |
| [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 | +8.1 % |
| [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 | +3.0 % |
| [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 | +1.9 % |
| [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 | +1.9 % |
| [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 | +1.9 % |
| [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 | +15.9 % |
| [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 | +13.6 % |
| [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 | +11.3 % |
| [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 | +12.6 % |
| [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 | +13.9 % |
| [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 | +9.4 % |
| [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 | +2.6 % |
| [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 | +1.5 % |
| [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 | +4.5 % |
| [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 | New tariff 2026 |
| [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 | +5.9 % |
| [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 | +4.5 % |
| [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 | +12.5 % |
| [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 | +1.4 % |
| [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 | +1.4 % |
| [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 | +1.4 % |
| [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 | +1.4 % |
| [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 | +1.4 % |
| [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 | +1.5 % |
| [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 | +7.5 % |
| [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 | +7.5 % |
| [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 | +7.5 % |
| [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 | +6.0 % |
| [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 | +0.7 % |
| [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 | +7.5 % |
| [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 | +14.0 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Emmen for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/), the cheapest offer in [Emmen](https://praemiencheck.onedoc.ch/en/lu/emmen/) is ÖKK (HMO model) at 93.35 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 105.85 CHF a month.

### How much does health insurance cost in Emmen in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/emmen/child/) with a deductible of 0 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/), monthly premiums run from 93.35 CHF (ÖKK, HMO model) to 141.75 CHF (Sympany, Standard model): 122 offers from 25 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 106.45 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Emmen for a child aged 0 to 18 without accident cover?

On the cheapest offer (ÖKK, HMO model), the premium goes from 93.35 CHF a month with the 0 CHF deductible to 60.85 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-600/): 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Emmen for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, the cheapest premium per model is: standard model 105.85 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 93.35 CHF (ÖKK), flexible model 95.75 CHF (ÖKK), telemedicine 95.85 CHF (Helsana).

### Does a second or third child pay less in Emmen?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 16 of the 25 insurers present in Emmen file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Galenos | Managed Care | 111.85 CHF | 41.75 CHF from the 3rd child |
| Agrisano | AGRIcontact | 98.45 CHF | 41.95 CHF from the 3rd child |
| sana24 | Managed Care | 122.45 CHF | 44.15 CHF from the 3rd child |
| Visana | Managed Care | 113.55 CHF | 44.55 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 114.25 CHF | 44.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 102.05 CHF | 48.45 CHF from the 3rd child |
| CONCORDIA | HMO | 100.15 CHF | 48.95 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 102.95 CHF | 48.95 CHF from the 3rd child |
| rhenusana | sanmed24 | 122.35 CHF | 58.65 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 99.20 CHF | 66.85 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 110.45 CHF | 81.55 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 111.25 CHF | 82.15 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 111.95 CHF | 82.65 CHF from the 5th child |
| Assura | PharMed | 97.45 CHF | 95.85 CHF from the 4th child, 94.25 CHF from the 5th child |
| EGK | EGK-Care | 109.95 CHF | 95.35 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 109.65 CHF | 98.15 CHF from the 3rd child |

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

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

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 98.50 CHF at ÖKK (HMO model) gives 93.35 CHF after redistribution.

### 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 premiums on this page are those approved by the FOPH for 2026.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Emmen is in region 1 of canton Lucerne.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

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/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Emmen (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/emmen/
- Premiums 2026 in Emmen (LU), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/child/
- Premiums 2026 in Emmen (LU), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/lu/emmen/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/lu/emmen/child/with-accident/deductible-0/
- Deductible Premiums 2026 in Emmen (LU), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-100/
- Deductible Premiums 2026 in Emmen (LU), child, deductible of 200 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-200/
- Deductible Premiums 2026 in Emmen (LU), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-300/
- Deductible Premiums 2026 in Emmen (LU), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-400/
- Deductible Premiums 2026 in Emmen (LU), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-500/
- Deductible Premiums 2026 in Emmen (LU), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/lu/emmen/child/no-accident/deductible-0/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `emmen` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-0` with `deductible-600` for another deductible. Markdown version: add `.md`.