# Health insurance premiums 2026 in Kriens (LU), for a young adult aged 19 to 25 who wants a deductible of 2'000 CHF with accident cover

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

In [Kriens](https://praemiencheck.onedoc.ch/en/lu/kriens/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/) with a 2'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/), the cheapest monthly basic insurance premium is **232.15 CHF** with **CSS** (HMO (health practice) model) and the most expensive is 384.85 CHF with Einsiedler Krankenkasse (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 331.25 | 319.65 | 290.45 | 261.25 | 232.15 | 202.95 | −5.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 331.75 | 320.15 | 290.95 | 261.75 | 232.65 | 203.45 | +7.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 334.65 | 323.05 | 293.85 | 264.65 | 235.55 | 206.35 | +8.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 336.15 | 324.55 | 295.35 | 266.15 | 237.05 | 207.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 336.25 | 324.65 | 295.45 | 266.25 | 237.15 | 207.95 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 339.70 | 328.10 | 298.90 | 269.70 | 240.60 | 211.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 339.70 | 328.10 | 298.90 | 269.70 | 240.60 | 211.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 339.70 | 328.10 | 298.90 | 269.70 | 240.60 | 211.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 339.85 | 328.25 | 299.05 | 269.85 | 240.75 | 211.55 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 339.85 | 328.25 | 299.05 | 269.85 | 240.75 | 211.55 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 340.55 | 328.85 | 299.75 | 270.55 | 241.35 | 212.25 | +7.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 342.45 | 330.85 | 301.65 | 272.45 | 243.35 | 214.15 | +1.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 342.45 | 330.85 | 301.65 | 272.45 | 243.35 | 214.15 | +3.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 342.45 | 330.85 | 301.65 | 272.45 | 243.35 | 214.15 | +4.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 343.45 | 331.85 | 302.65 | 273.45 | 244.35 | 215.15 | +9.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 343.35 | 331.85 | 302.85 | 273.35 | 244.35 | 215.35 | +5.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 345.25 | 333.65 | 304.45 | 275.25 | 246.15 | 219.95 | −3.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 349.35 | 337.85 | 308.85 | 279.35 | 250.35 | 221.35 | +5.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 349.35 | 337.85 | 308.85 | 279.35 | 250.35 | 221.35 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 350.45 | 338.85 | 309.65 | 280.45 | 251.35 | 222.15 | +5.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 350.85 | 339.20 | 310.00 | 280.85 | 251.70 | 222.50 | +5.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 351.25 | 339.65 | 310.45 | 281.25 | 252.15 | 222.95 | +8.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 351.25 | 339.65 | 310.45 | 281.25 | 252.15 | 222.95 | +8.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 351.95 | 340.35 | 311.15 | 281.95 | 252.85 | 223.65 | +10.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 354.65 | 342.95 | 313.80 | 284.65 | 255.45 | 226.30 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 355.25 | 343.65 | 314.45 | 285.25 | 256.15 | 226.95 | +8.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 355.95 | 344.35 | 315.15 | 285.95 | 256.85 | 227.65 | +3.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 358.25 | 346.65 | 317.45 | 288.25 | 259.15 | 229.95 | +10.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 361.35 | 349.85 | 320.85 | 291.35 | 262.35 | 233.35 | +5.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 364.15 | 352.55 | 323.35 | 294.15 | 265.05 | 235.85 | 0.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 364.15 | 352.55 | 323.35 | 294.15 | 265.05 | 235.85 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 358.65 | 347.05 | 323.85 | 294.65 | 265.55 | 244.45 | +6.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 365.75 | 359.05 | 324.95 | 295.75 | 266.55 | 237.45 | −1.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 366.05 | 354.55 | 325.55 | 296.05 | 267.05 | 238.05 | +2.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 357.15 | 346.55 | 320.15 | 293.75 | 267.35 | 241.05 | +2.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 368.45 | 356.85 | 327.65 | 298.45 | 269.35 | 240.15 | +0.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 370.25 | 358.65 | 329.45 | 300.25 | 271.15 | 241.95 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 370.55 | 358.95 | 329.75 | 300.55 | 271.45 | 242.25 | +4.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 370.75 | 359.15 | 329.95 | 300.75 | 271.65 | 242.45 | +10.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 363.15 | 352.35 | 325.55 | 298.75 | 271.85 | 245.05 | +2.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 371.35 | 364.75 | 330.55 | 301.35 | 272.25 | 243.05 | −1.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 372.45 | 360.85 | 331.65 | 302.45 | 273.35 | 244.15 | +6.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 372.45 | 360.85 | 331.65 | 302.45 | 273.35 | 244.15 | +6.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 372.45 | 360.85 | 331.65 | 302.45 | 273.35 | 244.15 | +4.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 372.75 | 361.15 | 331.95 | 302.75 | 273.65 | 244.45 | +2.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 372.75 | 361.15 | 331.95 | 302.75 | 273.65 | 244.45 | −11.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 373.55 | 361.90 | 332.75 | 303.55 | 274.40 | 245.25 | +5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 374.75 | 363.25 | 334.25 | 304.75 | 275.75 | 246.75 | +2.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 368.15 | 357.35 | 330.65 | 303.75 | 276.95 | 250.15 | +8.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 368.15 | 357.35 | 330.65 | 303.75 | 276.95 | 250.15 | +8.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 365.35 | 355.45 | 330.05 | 304.55 | 279.15 | 247.75 | +5.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 379.05 | 367.55 | 338.55 | 309.05 | 280.05 | 251.05 | +2.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 381.45 | 369.85 | 340.65 | 311.45 | 282.35 | 253.15 | +6.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 381.85 | 370.25 | 341.05 | 311.85 | 282.75 | 253.55 | +8.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 381.85 | 370.25 | 341.05 | 311.85 | 282.75 | 253.55 | +8.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 382.45 | 370.85 | 341.65 | 312.55 | 283.35 | 254.95 | +5.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 382.65 | 371.05 | 346.15 | 317.05 | 283.55 | 254.35 | −2.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 383.55 | 371.95 | 342.75 | 313.55 | 284.45 | 255.25 | +4.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 385.45 | 373.75 | 344.65 | 315.45 | 286.25 | 257.15 | +4.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 385.85 | 374.25 | 345.05 | 315.85 | 286.75 | 257.55 | −5.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 386.55 | 374.95 | 345.75 | 316.55 | 287.45 | 258.25 | +8.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 384.85 | 373.15 | 354.95 | 325.75 | 287.85 | 258.65 | +2.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 389.85 | 378.35 | 349.35 | 319.85 | 290.85 | 261.85 | +1.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 390.45 | 378.85 | 349.65 | 320.45 | 291.35 | 262.15 | +6.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 390.45 | 378.85 | 349.65 | 320.45 | 291.35 | 262.15 | New tariff 2026 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 395.15 | 383.45 | 354.35 | 325.15 | 295.95 | 266.85 | +2.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 395.35 | 383.85 | 354.85 | 325.35 | 296.35 | 267.35 | +5.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 397.95 | 386.35 | 357.15 | 327.95 | 298.85 | 269.65 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 398.85 | 387.15 | 358.05 | 328.85 | 299.65 | 270.55 | −0.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 399.95 | 393.25 | 359.05 | 329.95 | 300.75 | 271.55 | −1.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 395.75 | 384.05 | 354.95 | 327.95 | 300.95 | 276.15 | +3.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 400.55 | 388.95 | 359.75 | 330.65 | 301.45 | 272.25 | +8.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 401.65 | 394.95 | 360.75 | 331.65 | 302.45 | 273.25 | −1.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 403.15 | 391.45 | 362.35 | 333.15 | 303.95 | 274.85 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 403.95 | 392.35 | 363.15 | 333.95 | 304.85 | 275.65 | +7.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 404.45 | 397.15 | 367.95 | 338.85 | 305.25 | 276.15 | +2.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 404.45 | 392.75 | 363.65 | 334.45 | 305.25 | 276.15 | +3.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 405.15 | 393.55 | 364.35 | 335.15 | 306.05 | 276.85 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 405.15 | 393.55 | 364.35 | 335.15 | 306.05 | 276.85 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 405.15 | 393.55 | 364.35 | 335.15 | 306.05 | 276.85 | +4.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 406.05 | 394.55 | 365.55 | 336.05 | 307.05 | 278.05 | +10.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 408.35 | 396.85 | 367.85 | 338.35 | 309.35 | 280.35 | +10.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 408.45 | 396.85 | 367.65 | 338.45 | 309.35 | 280.15 | +7.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 410.75 | 399.25 | 370.25 | 340.75 | 311.75 | 282.75 | +10.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 411.15 | 399.55 | 370.35 | 341.15 | 312.05 | 282.85 | +1.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 412.45 | 400.85 | 371.65 | 342.45 | 313.35 | 284.15 | +8.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 414.65 | 407.95 | 373.75 | 344.65 | 315.45 | 286.25 | −1.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 415.45 | 403.85 | 374.65 | 345.45 | 316.35 | 287.15 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 415.75 | 404.05 | 374.95 | 345.75 | 316.55 | 287.45 | +1.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 413.15 | 401.55 | 372.35 | 345.35 | 318.35 | 293.55 | +3.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 420.05 | 408.55 | 379.55 | 350.05 | 321.05 | 292.05 | +10.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 420.35 | 408.65 | 379.45 | 350.35 | 321.15 | 291.95 | +1.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 420.65 | 409.05 | 379.85 | 350.75 | 321.55 | 292.35 | +5.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 423.25 | 416.55 | 382.45 | 353.25 | 324.05 | 294.95 | −1.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 412.15 | 401.95 | 376.25 | 350.55 | 324.95 | 299.25 | +8.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 426.45 | 414.95 | 385.95 | 356.45 | 327.45 | 298.45 | +1.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 426.65 | 415.05 | 385.85 | 356.65 | 327.55 | 298.35 | +4.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 426.85 | 415.25 | 386.05 | 356.85 | 327.75 | 298.55 | −10.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 427.55 | 420.95 | 386.75 | 357.55 | 328.45 | 299.25 | −1.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 429.05 | 417.35 | 388.15 | 359.05 | 329.85 | 300.65 | +1.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 430.55 | 418.95 | 389.75 | 360.55 | 331.45 | 302.25 | +2.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 421.65 | 411.15 | 384.95 | 358.65 | 332.45 | 306.15 | +8.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 411.25 | 402.25 | 379.75 | 357.25 | 334.25 | 311.75 | +7.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 434.05 | 422.35 | 393.25 | 364.05 | 334.85 | 305.75 | +1.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 434.05 | 422.35 | 393.25 | 364.05 | 334.85 | 305.75 | +1.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 426.35 | 415.85 | 389.25 | 362.65 | 336.15 | 309.65 | +8.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 431.65 | 420.05 | 391.15 | 361.65 | 337.75 | 314.65 | +7.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 444.20 | 435.20 | 403.75 | 376.80 | 345.35 | 316.60 | +7.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 444.45 | 432.85 | 403.65 | 374.45 | 345.35 | 316.15 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 447.75 | 436.05 | 406.95 | 377.75 | 348.55 | 319.45 | +1.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 452.35 | 440.65 | 411.45 | 382.35 | 353.15 | 323.95 | +1.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 462.05 | 450.55 | 421.55 | 392.05 | 363.05 | 334.05 | +10.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 447.45 | 437.45 | 412.95 | 388.45 | 363.95 | 339.45 | +7.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 469.05 | 457.45 | 428.25 | 399.05 | 369.95 | 340.75 | +8.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 467.85 | 458.40 | 430.00 | 401.65 | 373.25 | 340.15 | +8.8 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 483.80 | 472.25 | 443.05 | 413.85 | 384.85 | 355.55 | +11.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 399.25 | 387.65 | 358.45 | 329.25 | — | 270.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 402.75 | 391.15 | 361.95 | 332.75 | — | 274.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 420.25 | 408.65 | 379.45 | 350.25 | — | 291.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 423.75 | 412.15 | 382.95 | 353.75 | — | 295.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 437.75 | 426.15 | 396.95 | 367.75 | — | 309.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.65 | 461.05 | 431.85 | 402.65 | — | 344.35 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Kriens for a young adult aged 19 to 25 with a deductible of 2'000 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/), the cheapest offer in [Kriens](https://praemiencheck.onedoc.ch/en/lu/kriens/) is CSS (HMO (health practice)) at 232.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 251.35 CHF a month.

### How much does health insurance cost in Kriens in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/) with a deductible of 2'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/), monthly premiums run from 232.15 CHF (CSS, HMO (health practice)) to 384.85 CHF (Einsiedler Krankenkasse, 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: 298.75 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Kriens for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (CSS, HMO (health practice)), the premium goes from 331.25 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-300/) to 202.95 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-2500/): 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 Kriens 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 with accident cover, the cheapest premium per model is: standard model 251.35 CHF (Sanitas), family doctor / HMO 232.15 CHF (CSS), flexible model 240.75 CHF (Sanitas), telemedicine 237.15 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 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 237.30 CHF at CSS (HMO (health practice)) gives 232.15 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.

## 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: Kriens 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 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/kriens/young-adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Kriens (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/kriens/
- Premiums 2026 in Kriens (LU), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/
- Premiums 2026 in Kriens (LU), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/lu/kriens/child/
- Adult: https://praemiencheck.onedoc.ch/en/lu/kriens/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/no-accident/deductible-2000/
- Deductible Premiums 2026 in Kriens (LU), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-300/
- Deductible Premiums 2026 in Kriens (LU), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-500/
- Deductible Premiums 2026 in Kriens (LU), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Kriens (LU), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2026 in Kriens (LU), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/lu/kriens/young-adult/with-accident/deductible-300/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `kriens` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-2000` with `deductible-2500` for another deductible. Markdown version: add `.md`.