Health insurance premiums 2027 in Lucerne (LU)
Lucerne is in premium region 1 of the canton of Lucerne.
For an adult aged 26 or over
Without accident cover: from 320.80 to 625.05 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF440.25 CHFSanitasFamily doctor 1
- Deductible of 500 CHF429.40 CHFSanitasFamily doctor 1
- Deductible of 1'000 CHF402.30 CHFSanitasFamily doctor 1
- Deductible of 1'500 CHF375.10 CHFSanitasFamily doctor 1
- Deductible of 2'000 CHF347.95 CHFSanitasFamily doctor 1
- Deductible of 2'500 CHF320.80 CHFSanitasFamily doctor 1
With accident cover: from 341.55 to 672.45 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF469.85 CHFAtupriHMO
- Deductible of 500 CHF458.25 CHFAtupriHMO
- Deductible of 1'000 CHF429.05 CHFAtupriHMO
- Deductible of 1'500 CHF399.85 CHFAtupriHMO
- Deductible of 2'000 CHF370.75 CHFAtupriHMO
- Deductible of 2'500 CHF341.55 CHFAtupriHMO
For a young adult aged 19 to 25
Without accident cover: from 204.80 to 474.35 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF324.25 CHFSanitasFamily doctor 1
- Deductible of 500 CHF313.40 CHFSanitasFamily doctor 1
- Deductible of 1'000 CHF286.30 CHFSanitasFamily doctor 1
- Deductible of 1'500 CHF259.10 CHFSanitasFamily doctor 1
- Deductible of 2'000 CHF231.95 CHFSanitasFamily doctor 1
- Deductible of 2'500 CHF204.80 CHFSanitasFamily doctor 1
With accident cover: from 220.35 to 495.05 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF348.65 CHFSanitasFamily doctor 1
- Deductible of 500 CHF337.00 CHFSanitasFamily doctor 1
- Deductible of 1'000 CHF307.85 CHFSanitasFamily doctor 1
- Deductible of 1'500 CHF278.65 CHFSanitasFamily doctor 1
- Deductible of 2'000 CHF249.50 CHFSanitasFamily doctor 1
- Deductible of 2'500 CHF220.35 CHFSanitasFamily doctor 1
For a child aged 0 to 18
With accident cover: from 70.85 to 161.05 CHF a month
122 offers from 25 health insurers.
- Deductible of 0 CHF105.85 CHFÖKKÖKK CASAMED HMO
- Deductible of 100 CHF103.35 CHFCONCORDIAHMO
- Deductible of 200 CHF94.25 CHFÖKKÖKK CASAMED HMO
- Deductible of 300 CHF91.65 CHFCONCORDIAHMO
- Deductible of 400 CHF82.55 CHFÖKKÖKK CASAMED HMO
- Deductible of 500 CHF77.75 CHFHelsanaHelsana BeneFit PLUS General Practitioner R1
- Deductible of 600 CHF70.85 CHFÖKKÖKK CASAMED HMO
Without accident cover: from 65.65 to 149.45 CHF a month
122 offers from 25 health insurers.
- Deductible of 0 CHF98.15 CHFÖKKÖKK CASAMED HMO
- Deductible of 100 CHF95.85 CHFAssuraMediTel
- Deductible of 200 CHF87.35 CHFÖKKÖKK CASAMED HMO
- Deductible of 300 CHF84.95 CHFAssuraMediTel
- Deductible of 400 CHF76.45 CHFÖKKÖKK CASAMED HMO
- Deductible of 500 CHF72.05 CHFHelsanaHelsana BeneFit PLUS General Practitioner R1
- Deductible of 600 CHF65.65 CHFÖKKÖKK CASAMED HMO
In 2027, the cheapest health insurance premium in Lucerne is:
- For an adult without accident cover: 440.25 CHF a month with a 300 CHF deductible (Sanitas, Family doctor 1), 320.80 CHF with a 2'500 CHF deductible (Sanitas, Family doctor 1).
- For a young adult without accident cover: 324.25 CHF a month with a 300 CHF deductible (Sanitas, Family doctor 1), 204.80 CHF with a 2'500 CHF deductible (Sanitas, Family doctor 1).
- For a child with accident cover: 105.85 CHF a month with a 0 CHF deductible (ÖKK, ÖKK CASAMED HMO), 70.85 CHF with a 600 CHF deductible (ÖKK, ÖKK CASAMED HMO).
Last modified:
Frequently asked questions
Which health insurer is the cheapest in Lucerne in 2027?
For an adult without accident cover: Sanitas (Family doctor 1) at 445.00 CHF a month with a deductible of 300 CHF, and Sanitas (Family doctor 1) at 320.80 CHF with the 2'500 CHF deductible. Each situation above leads to the full list of offers.
Are the premiums the same across the whole region?
Yes. Lucerne is in premium region 1 of canton Lucerne: every municipality in that region has exactly the same premiums. The region depends on your municipality of residence, not your postcode.
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 deductible changes on the same date, by telling your insurer.
Do I need to include accident cover?
Generally no if you work at least 8 hours a week for the same employer: their accident insurance (UVG/LAA) also covers non-occupational accidents. Otherwise, include accident cover if you are not already fully covered by another UVG/LAA accident policy.
Why is the FOPH-approved premium higher than the price shown?
The amount shown is the FOPH-approved premium, the same one as on priminfo.admin.ch, less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person receives 57.00 CHF, which the insurer deducts from the invoices: 4.75 CHF a month, the same amount for everyone. The approved premium of 445.00 CHF at Sanitas therefore gives 440.25 CHF; the ranking does not change. Your invoice may still differ, for example with your canton’s individual premium reduction.
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.