# Health insurance premiums 2026 in Emmen (LU), for a young adult aged 19 to 25

In 2026, for a young adult aged 19 to 25 in Emmen, the cheapest health insurance premium is:

- [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)).
- [With accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/): **331.25 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-300/) (CSS, HMO (health practice)), **202.95 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/deductible-2500/) (CSS, HMO (health practice)).

## 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

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Emmen for a young adult aged 19 to 25?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/): CSS (HMO (health practice)) at 307.65 CHF a month with a [deductible of 300 CHF](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-300/), and CSS (HMO (health practice)) at 188.35 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/deductible-2500/). [With accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/with-accident/): CSS (HMO (health practice)) at 331.25 CHF, and CSS (HMO (health practice)) at 202.95 CHF.

### How much does accident cover cost in basic insurance in Emmen?

For a young adult aged 19 to 25 with CSS (HMO (health practice)), the premium rises from 307.65 CHF a month [without accident cover](https://praemiencheck.onedoc.ch/en/lu/emmen/young-adult/no-accident/) to 331.25 CHF with accident cover, at the 300 CHF deductible: 23.60 CHF a month, 283.20 CHF a year. You only need this cover if you are not already fully insured for accidents under the [Accident Insurance Act (UVG/LAA)](https://www.fedlex.admin.ch/eli/cc/1982/1676_1676_1676/en). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

### 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 312.80 CHF at CSS (HMO (health practice)) gives 307.65 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.

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/young-adult/

## Related pages

- 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/

Address of this page: praemiencheck.onedoc.ch/en/lu/emmen/young-adult/ — 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`.