Health insurance premiums 2026 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 301.95 to 590.65 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF423.85 CHFAtupriHMO
- Deductible of 500 CHF412.85 CHFAtupriHMO
- Deductible of 1'000 CHF385.15 CHFAtupriHMO
- Deductible of 1'500 CHF357.35 CHFAtupriHMO
- Deductible of 2'000 CHF329.75 CHFAtupriHMO
- Deductible of 2'500 CHF301.95 CHFAtupriHMO
With accident cover: from 318.15 to 635.45 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF446.45 CHFAtupriHMO
- Deductible of 500 CHF434.85 CHFAtupriHMO
- Deductible of 1'000 CHF405.65 CHFAtupriHMO
- Deductible of 1'500 CHF376.45 CHFAtupriHMO
- Deductible of 2'000 CHF347.35 CHFAtupriHMO
- Deductible of 2'500 CHF318.15 CHFAtupriHMO
For a young adult aged 19 to 25
Without accident cover: from 188.35 to 465.00 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF307.65 CHFCSSHMO (health practice)
- Deductible of 500 CHF296.85 CHFCSSHMO (health practice)
- Deductible of 1'000 CHF269.75 CHFCSSHMO (health practice)
- Deductible of 1'500 CHF242.55 CHFCSSHMO (health practice)
- Deductible of 2'000 CHF215.55 CHFCSSHMO (health practice)
- Deductible of 2'500 CHF188.35 CHFCSSHMO (health practice)
With accident cover: from 202.95 to 483.80 CHF a month
122 offers from 25 health insurers.
- Deductible of 300 CHF331.25 CHFCSSHMO (health practice)
- Deductible of 500 CHF319.65 CHFCSSHMO (health practice)
- Deductible of 1'000 CHF290.45 CHFCSSHMO (health practice)
- Deductible of 1'500 CHF261.25 CHFCSSHMO (health practice)
- Deductible of 2'000 CHF232.15 CHFCSSHMO (health practice)
- Deductible of 2'500 CHF202.95 CHFCSSHMO (health practice)
For a child aged 0 to 18
With accident cover: from 65.75 to 152.75 CHF a month
122 offers from 25 health insurers.
- Deductible of 0 CHF100.75 CHFÖKKHMO model
- Deductible of 100 CHF97.65 CHFCSSHausarztversicherung Profit
- Deductible of 200 CHF89.15 CHFÖKKHMO model
- Deductible of 300 CHF85.95 CHFCSSHausarztversicherung Profit
- Deductible of 400 CHF77.45 CHFÖKKHMO model
- Deductible of 500 CHF74.25 CHFHelsanaBeneFit PLUS Hausarzt R1
- Deductible of 600 CHF65.75 CHFÖKKHMO model
Without accident cover: from 60.85 to 141.75 CHF a month
122 offers from 25 health insurers.
- Deductible of 0 CHF93.35 CHFÖKKHMO model
- Deductible of 100 CHF90.45 CHFCSSHausarztversicherung Profit
- Deductible of 200 CHF82.55 CHFÖKKHMO model
- Deductible of 300 CHF79.55 CHFCSSHausarztversicherung Profit
- Deductible of 400 CHF71.75 CHFÖKKHMO model
- Deductible of 500 CHF68.75 CHFHelsanaBeneFit PLUS Hausarzt R1
- Deductible of 600 CHF60.85 CHFÖKKHMO model
In 2026, the cheapest health insurance premium in Lucerne is:
- For an adult without accident cover: 423.85 CHF a month with a 300 CHF deductible (Atupri, HMO), 301.95 CHF with a 2'500 CHF deductible (Atupri, HMO).
- For a young adult without accident cover: 307.65 CHF a month with a 300 CHF deductible (CSS, HMO (health practice)), 188.35 CHF with a 2'500 CHF deductible (CSS, HMO (health practice)).
- For a child with accident cover: 100.75 CHF a month with a 0 CHF deductible (ÖKK, HMO model), 65.75 CHF with a 600 CHF deductible (ÖKK, HMO model).
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Frequently asked questions
Which health insurer is the cheapest in Lucerne in 2026?
For an adult without accident cover: Atupri (HMO) at 429.00 CHF a month with a deductible of 300 CHF, and Atupri (HMO) at 301.95 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 2026?
Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. 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 2026 every insured person receives 61.80 CHF, which the insurer deducts from the invoices: 5.15 CHF a month, the same amount for everyone. The approved premium of 429.00 CHF at Atupri therefore gives 423.85 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.