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122 offersfrom 25 health insurers

Young adult (19 to 25) · without accident cover · deductible of 2'000 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Horw (canton Lucerne), in 2027, for a young adult aged 19 to 25 with a 2'000 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 236.70 CHF with Sanitas (Family doctor 1 model) and the most expensive is 383.30 CHF with vita surselva (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Horw for a young adult aged 19 to 25 with a deductible of 2'000 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Horw is Sanitas (Family doctor 1) at 236.70 CHF a month.

How much does health insurance cost in Horw in 2027 for a young adult aged 19 to 25?

For a young adult aged 19 to 25 with a deductible of 2'000 CHF and without accident cover, monthly premiums run from 236.70 CHF (Sanitas, Family doctor 1) to 383.30 CHF (vita surselva, 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: 310.30 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 300 CHF or 2'500 CHF better in Horw for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Sanitas, Family doctor 1), the premium goes from 329.00 CHF a month with the 300 CHF deductible to 209.55 CHF with the 2'500 CHF deductible: 119.45 CHF less a month, 1'433.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'893 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

Which model is the cheapest in Horw for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 2'000 CHF and without accident cover, the cheapest premium per model is: standard model 250.40 CHF (Sanitas), family doctor / HMO 236.70 CHF (Sanitas), flexible model 240.10 CHF (Sanitas), telemedicine 236.70 CHF (Sanitas).

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.