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Health insurance premiums 2027 in Horw (LU) For a child aged 0 to 18, deductible of 400 CHF, with accident cover

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122 offersfrom 25 health insurers

Child (0 to 18) · with accident cover · deductible of 400 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 4.75 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Horw (canton Lucerne), in 2027, for a child aged 0 to 18 with a 400 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 82.55 CHF with ÖKK (ÖKK CASAMED HMO model) and the most expensive is 137.75 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Horw for a child aged 0 to 18 with a deductible of 400 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Horw is ÖKK (ÖKK CASAMED HMO) at 82.55 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 95.90 CHF a month.

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

For a child aged 0 to 18 with a deductible of 400 CHF and with accident cover, monthly premiums run from 82.55 CHF (ÖKK, ÖKK CASAMED HMO) to 137.75 CHF (Sympany, Standard model): 122 offers from 25 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 112.45 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Horw for a child aged 0 to 18 with accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 105.85 CHF a month with the 0 CHF deductible to 70.85 CHF with the 600 CHF deductible: 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Horw 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 with accident cover, the cheapest premium per model is: standard model 95.90 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 82.55 CHF (ÖKK), flexible model 85.05 CHF (ÖKK), telemedicine 85.85 CHF (Assura).

Does a second or third child pay less in Horw?

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 Horw file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIcontact90.45 CHF27.55 CHF from the 3rd child
VisanaManaged Care107.95 CHF31.05 CHF from the 3rd child
CONCORDIAHMO85.85 CHF31.45 CHF from the 3rd child
GalenosManaged Care100.15 CHF32.35 CHF from the 3rd child
sana24Managed Care117.55 CHF35.85 CHF from the 3rd child
SWICAStandard model117.55 CHF36.05 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor93.35 CHF44.35 CHF from the 3rd child
AquilanaSMARTMED95.35 CHF45.35 CHF from the 3rd child
Krankenkasse Luzerner HinterlandTelemedicine88.45 CHF59.55 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)99.25 CHF73.25 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)100.05 CHF73.85 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)103.35 CHF76.35 CHF from the 5th child
AssuraMediTel85.85 CHF84.15 CHF from the 4th child, 82.45 CHF from the 5th child
EGKEGK-Care100.15 CHF89.45 CHF from the 3rd child
SLKKSmartMed103.75 CHF90.85 CHF from the 3rd child

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

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

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 87.30 CHF at ÖKK (ÖKK CASAMED HMO) gives 82.55 CHF after redistribution.

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.