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Health insurance premiums 2027 in Geuensee (LU) For a child aged 0 to 18, deductible of 400 CHF, without accident cover

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123 offersfrom 25 health insurers

Child (0 to 18) · without accident cover · deductible of 400 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Geuensee (canton Lucerne), in 2027, for a child aged 0 to 18 with a 400 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 72.80 CHF with Agrisano (AGRIsmart model) and the most expensive is 125.40 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Geuensee for a child aged 0 to 18 with a deductible of 400 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Geuensee is Agrisano (AGRIsmart) at 72.80 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 81.60 CHF a month.

How much does health insurance cost in Geuensee in 2027 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 400 CHF and without accident cover, monthly premiums run from 72.80 CHF (Agrisano, AGRIsmart) to 125.40 CHF (Sympany, Standard model): 123 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: 102.40 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 91.90 CHF a month with the 0 CHF deductible to 63.10 CHF with the 600 CHF deductible: 28.80 CHF less a month, 345.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 384 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Geuensee 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 400 CHF and without accident cover, the cheapest premium per model is: standard model 81.60 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 73.00 CHF (ÖKK), flexible model 75.10 CHF (ÖKK), telemedicine 72.80 CHF (Agrisano).

Does a second or third child pay less in Geuensee?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 25 insurers present in Geuensee file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart72.80 CHF25.60 CHF from the 3rd child
VisanaManaged Care94.80 CHF30.50 CHF from the 3rd child
GalenosManaged Care85.50 CHF31.10 CHF from the 3rd child
CONCORDIAHMO76.70 CHF31.40 CHF from the 3rd child
sana24VIVA health plan95.40 CHF32.70 CHF from the 3rd child
SWICAStandard model105.80 CHF34.50 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor79.30 CHF39.70 CHF from the 3rd child
AquilanaSMARTMED82.10 CHF41.10 CHF from the 3rd child
Krankenkasse Luzerner HinterlandTelemedicine75.40 CHF52.00 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)89.60 CHF67.20 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)90.30 CHF67.80 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)93.20 CHF69.90 CHF from the 5th child
AssuraMediTel73.70 CHF72.20 CHF from the 4th child, 70.80 CHF from the 5th child
EGKEGK-Care79.30 CHF70.80 CHF from the 3rd child
SLKKSmartMed86.20 CHF75.70 CHF from the 3rd child

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

Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.