# Health insurance premiums 2027 in Horw (LU), for a young adult aged 19 to 25 who wants a deductible of 2'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with accident cover · monthly premiums in CHF_

In [Horw](https://praemiencheck.onedoc.ch/en/lu/horw/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/) with a 2'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/), the cheapest monthly basic insurance premium is **220.35 CHF** with **Sanitas** (Family doctor 1 model) and the most expensive is 366.75 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 348.65 | 337.00 | 307.85 | 278.65 | 249.50 | 220.35 | +5.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 348.65 | 337.00 | 307.85 | 278.65 | 249.50 | 220.35 | +5.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 349.25 | 337.65 | 308.45 | 279.25 | 250.15 | 220.95 | +8.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 352.15 | 340.55 | 311.35 | 282.15 | 253.05 | 223.85 | +9.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 352.25 | 340.55 | 311.35 | 282.25 | 253.05 | 223.85 | +8.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 | +5.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 | +5.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 | +5.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 | +5.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 | +5.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 354.95 | 343.35 | 314.15 | 284.95 | 255.85 | 226.65 | +1.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 355.55 | 343.95 | 314.75 | 285.55 | 256.45 | 227.25 | +1.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 358.35 | 346.75 | 317.55 | 288.35 | 259.25 | 230.05 | +8.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 358.45 | 346.95 | 317.95 | 288.45 | 259.45 | 230.45 | +6.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 359.85 | 348.25 | 319.05 | 289.85 | 260.75 | 231.55 | +7.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 360.45 | 348.75 | 319.55 | 290.45 | 261.25 | 232.05 | +8.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 360.45 | 348.75 | 319.55 | 290.45 | 261.25 | 232.05 | +8.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 360.45 | 348.75 | 319.55 | 290.45 | 261.25 | 232.05 | +8.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 363.35 | 351.70 | 322.55 | 293.35 | 264.20 | 235.05 | +5.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 363.95 | 352.35 | 323.15 | 293.95 | 264.85 | 235.65 | +2.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 364.65 | 353.15 | 324.15 | 294.65 | 265.65 | 236.65 | +6.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 364.65 | 353.15 | 324.15 | 294.65 | 265.65 | 236.65 | +6.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 365.95 | 354.35 | 325.15 | 295.95 | 266.85 | 237.65 | +6.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 369.05 | 357.35 | 328.20 | 299.05 | 269.85 | 240.70 | +7.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 370.05 | 358.45 | 329.25 | 300.05 | 270.95 | 241.75 | +6.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 373.00 | 361.35 | 332.15 | 303.00 | 273.85 | 244.65 | +7.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 371.35 | 359.75 | 330.55 | 301.35 | 272.25 | 246.05 | +11.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 374.45 | 362.85 | 333.65 | 304.45 | 275.35 | 246.15 | +1.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 377.25 | 365.75 | 336.75 | 307.25 | 278.25 | 249.25 | +6.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 381.55 | 369.95 | 340.75 | 311.55 | 282.45 | 253.25 | New tariff 2027 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 383.65 | 372.05 | 342.85 | 313.65 | 284.55 | 255.35 | +4.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 384.05 | 372.35 | 347.55 | 318.45 | 284.85 | 255.75 | +0.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 384.75 | 373.15 | 343.95 | 314.75 | 285.65 | 256.45 | +12.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 388.35 | 376.75 | 347.55 | 318.35 | 289.25 | 260.05 | +7.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 379.85 | 369.05 | 342.25 | 315.45 | 288.65 | 261.85 | +4.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 379.85 | 369.05 | 342.25 | 315.45 | 288.65 | 261.85 | +4.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 390.65 | 378.95 | 356.35 | 327.15 | 291.45 | 262.25 | +1.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 390.65 | 379.05 | 349.85 | 320.65 | 291.55 | 262.35 | +8.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 390.95 | 379.45 | 350.45 | 320.95 | 291.95 | 262.95 | +10.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 381.65 | 370.95 | 344.35 | 317.65 | 290.85 | 264.25 | +9.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 392.75 | 386.05 | 351.85 | 322.75 | 293.55 | 264.35 | +10.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 382.45 | 372.35 | 346.95 | 321.65 | 296.25 | 264.45 | +6.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 392.90 | 381.20 | 352.05 | 322.90 | 293.70 | 264.55 | +7.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 393.55 | 381.95 | 352.75 | 323.55 | 294.45 | 265.25 | +12.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 393.55 | 381.95 | 352.75 | 323.55 | 294.45 | 265.25 | +12.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 393.95 | 382.35 | 353.15 | 323.95 | 294.85 | 265.65 | +4.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 393.95 | 382.35 | 353.15 | 323.95 | 294.85 | 265.65 | +4.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 383.75 | 373.05 | 346.25 | 319.35 | 292.55 | 265.75 | +8.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 395.95 | 384.25 | 355.15 | 325.95 | 296.75 | 267.65 | +3.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 397.45 | 385.85 | 356.65 | 327.45 | 298.35 | 269.15 | +9.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 398.75 | 392.05 | 357.95 | 328.75 | 299.55 | 270.45 | +10.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 400.25 | 388.65 | 359.45 | 330.35 | 301.15 | 271.95 | +6.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 400.25 | 388.65 | 359.45 | 330.25 | 301.15 | 271.95 | +12.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 400.15 | 388.65 | 359.65 | 330.15 | 301.15 | 272.15 | +9.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 385.75 | 374.15 | 344.95 | 315.75 | 286.65 | 272.45 | +11.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 401.65 | 390.05 | 360.85 | 331.65 | 302.55 | 273.35 | +11.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 401.65 | 390.05 | 360.85 | 331.65 | 302.55 | 273.35 | +11.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 402.15 | 390.55 | 361.35 | 332.15 | 303.05 | 273.85 | +7.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 402.15 | 390.55 | 361.35 | 332.15 | 303.05 | 273.85 | +11.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 402.65 | 391.05 | 361.85 | 332.65 | 303.55 | 274.35 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 404.25 | 392.65 | 363.45 | 334.25 | 305.15 | 275.95 | +7.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 404.75 | 393.25 | 364.25 | 334.75 | 305.75 | 276.75 | +9.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 405.55 | 393.85 | 364.75 | 335.55 | 306.35 | 277.25 | +7.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 408.35 | 396.65 | 367.45 | 338.35 | 309.15 | 279.95 | +3.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 409.25 | 397.55 | 368.35 | 339.25 | 310.05 | 280.85 | +3.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 411.35 | 399.75 | 370.55 | 341.35 | 312.25 | 283.05 | +7.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 412.65 | 401.15 | 372.15 | 342.65 | 313.65 | 284.65 | +6.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 413.25 | 401.65 | 372.45 | 343.25 | 314.15 | 284.95 | +4.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 413.65 | 401.95 | 372.75 | 343.65 | 314.45 | 285.25 | +3.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 397.15 | 389.85 | 365.05 | 335.85 | 315.45 | 286.25 | +3.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 414.65 | 407.35 | 378.15 | 348.95 | 315.45 | 286.25 | +3.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 416.55 | 404.95 | 375.75 | 346.55 | 317.45 | 288.25 | +1.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 416.25 | 404.75 | 375.75 | 346.25 | 317.25 | 288.25 | +9.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 417.55 | 405.85 | 376.75 | 347.55 | 318.35 | 289.25 | +8.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 418.45 | 406.85 | 377.65 | 348.45 | — | 290.15 | +6.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 418.45 | 406.85 | 377.65 | 348.45 | — | 290.15 | +5.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 420.65 | 409.05 | 379.85 | 350.65 | 321.55 | 292.35 | +5.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 420.65 | 409.05 | 379.85 | 350.65 | 321.55 | 292.35 | +4.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 426.95 | 415.35 | 386.15 | 356.95 | 327.85 | 298.65 | +7.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 426.95 | 415.35 | 386.15 | 356.95 | 327.85 | 298.65 | +7.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.55 | 416.95 | 387.75 | 358.55 | 329.45 | 300.25 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 429.35 | 422.65 | 388.45 | 359.35 | 330.15 | 300.95 | +10.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 429.95 | 418.45 | 389.45 | 359.95 | 330.95 | 301.95 | +8.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 431.15 | 424.55 | 390.35 | 361.15 | 332.05 | 302.85 | +10.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 432.05 | 420.45 | 391.25 | 362.05 | 332.95 | 303.75 | +0.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 414.65 | 407.35 | 382.55 | 353.35 | 332.95 | 303.75 | +3.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 414.65 | 407.35 | 382.55 | 353.35 | 332.95 | 303.75 | +9.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 432.45 | 420.95 | 391.95 | 362.45 | 333.45 | 304.45 | +8.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 434.85 | 423.35 | 394.35 | 364.85 | 335.85 | 306.85 | +8.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 436.85 | 425.25 | 396.05 | 366.85 | — | 308.55 | +5.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 437.85 | 426.25 | 397.05 | 367.85 | 338.75 | 309.55 | +11.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 437.95 | 426.25 | 397.15 | 367.95 | 338.75 | 309.65 | +3.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 439.45 | 427.75 | 398.65 | 369.45 | 340.25 | 311.15 | +9.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 440.25 | 428.65 | 399.45 | 370.35 | 341.15 | 311.95 | +6.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 440.55 | 428.95 | 399.75 | 370.55 | — | 312.25 | +5.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 444.35 | 432.65 | 403.45 | 374.35 | 345.15 | 315.95 | +9.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 444.75 | 433.25 | 404.25 | 374.75 | 345.75 | 316.75 | +8.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 445.05 | 438.45 | 404.25 | 375.05 | 345.95 | 316.75 | +10.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 449.15 | 437.55 | 408.35 | 379.15 | 350.05 | 320.85 | +9.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 449.65 | 438.05 | 408.85 | 379.65 | 350.55 | 321.35 | +7.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 435.05 | 424.85 | 399.15 | 373.45 | 347.85 | 322.15 | +7.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 453.15 | 444.00 | 416.50 | 384.45 | 357.00 | 324.95 | +2.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 454.35 | 447.65 | 413.55 | 384.35 | 355.15 | 326.05 | +10.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 455.25 | 443.65 | 414.45 | 385.25 | — | 326.95 | +5.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 455.35 | 443.85 | 414.85 | 385.35 | 356.35 | 327.35 | +9.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 428.35 | 419.35 | 396.85 | 374.35 | 351.35 | 328.85 | +5.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 457.65 | 446.05 | 416.85 | 387.65 | 358.55 | 329.35 | +4.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 445.05 | 434.65 | 408.35 | 382.05 | 355.85 | 329.55 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 458.45 | 446.75 | 417.65 | 388.45 | 359.25 | 330.15 | +9.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 458.95 | 452.35 | 418.15 | 388.95 | 359.85 | 330.65 | +10.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 449.55 | 437.95 | 409.05 | 379.55 | 355.55 | 332.55 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 450.05 | 439.55 | 412.95 | 386.35 | 359.85 | 333.35 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 463.85 | 452.15 | 422.95 | 393.85 | 364.65 | 335.45 | +9.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 463.85 | 452.15 | 422.95 | 393.85 | 364.65 | 335.45 | +9.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 478.45 | 466.75 | 437.65 | 408.45 | 379.25 | 350.15 | +9.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 477.25 | 467.60 | 438.70 | 409.75 | 380.85 | 351.95 | +3.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 483.35 | 471.65 | 442.55 | 413.35 | 384.15 | 355.05 | +9.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 465.95 | 455.95 | 431.45 | 406.95 | 382.45 | 357.95 | +5.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 489.15 | 477.65 | 448.65 | 419.15 | 390.15 | 361.15 | +7.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 492.15 | 480.55 | 451.35 | 422.15 | — | 363.85 | +5.5 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 494.05 | 482.45 | 453.25 | 424.05 | 394.95 | 365.75 | +2.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 495.05 | 483.45 | 454.25 | 425.05 | 395.95 | 366.75 | +7.4 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Horw for a young adult aged 19 to 25 with a deductible of 2'500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/), the cheapest offer in [Horw](https://praemiencheck.onedoc.ch/en/lu/horw/) is Sanitas (Family doctor 1) at 220.35 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](https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/) with a deductible of 2'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/), monthly premiums run from 220.35 CHF (Sanitas, Family doctor 1) to 366.75 CHF (SLKK, 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: 305.55 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 with accident cover?

On the cheapest offer (Sanitas, Family doctor 1), the premium goes from 348.65 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-300/) to 220.35 CHF with the 2'500 CHF deductible: 128.30 CHF less a month, 1'539.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 2'011 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 2'500 CHF and with accident cover, the cheapest premium per model is: standard model 235.05 CHF (Sanitas), family doctor / HMO 220.35 CHF (Sanitas), flexible model 224.00 CHF (Sanitas), telemedicine 220.35 CHF (Sanitas).

### 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 225.10 CHF at Sanitas (Family doctor 1) gives 220.35 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Horw is in region 1 of canton Lucerne.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Horw (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/horw/
- Premiums 2027 in Horw (LU), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/
- Premiums 2027 in Horw (LU), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/lu/horw/child/
- Adult: https://praemiencheck.onedoc.ch/en/lu/horw/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/no-accident/deductible-2500/
- Deductible Premiums 2027 in Horw (LU), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Horw (LU), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Horw (LU), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Horw (LU), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Horw (LU), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-2000/

Address of this page: praemiencheck.onedoc.ch/en/lu/horw/young-adult/with-accident/deductible-300/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `horw` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-2500` with `deductible-300` for another deductible. Markdown version: add `.md`.