# Health insurance premiums 2026 in Horw (LU), for an adult aged 26 or over

In 2026, for an adult aged 26 or over in Horw, the cheapest health insurance premium is:

- [Without accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/): **423.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/deductible-300/) (Atupri, HMO), **301.95 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/deductible-2500/) (Atupri, HMO).
- [With accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/adult/with-accident/): **446.45 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/horw/adult/with-accident/deductible-300/) (Atupri, HMO), **318.15 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/horw/adult/with-accident/deductible-2500/) (Atupri, HMO).

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

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

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

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

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

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

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

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

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

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

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Horw for an adult aged 26 or over?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/): Atupri (HMO) at 423.85 CHF a month with a [deductible of 300 CHF](https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/deductible-300/), and Atupri (HMO) at 301.95 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/deductible-2500/). [With accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/adult/with-accident/): Atupri (HMO) at 446.45 CHF, and Atupri (HMO) at 318.15 CHF.

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

For an adult aged 26 or over with Atupri (HMO), the premium rises from 423.85 CHF a month [without accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/) to 446.45 CHF with accident cover, at the 300 CHF deductible: 22.60 CHF a month, 271.20 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 429.00 CHF at Atupri (HMO) gives 423.85 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/horw/adult/

## Related pages

- Without accident cover: from 301.95 to 590.65 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/horw/adult/no-accident/
- With accident cover: from 318.15 to 635.45 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/horw/adult/with-accident/

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