# Health insurance premiums 2027 in Lucerne (LU), for an adult aged 26 or over with accident cover

In 2027, for an adult aged 26 or over in Lucerne, with accident cover, the cheapest health insurance premium is:

- **469.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-300/) (Atupri, HMO)
- **341.55 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-2500/) (Atupri, HMO)

## With accident cover: from 341.55 to 672.45 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **469.85 CHF** a month with **Atupri** (HMO), the most expensive 672.45 CHF with Groupe Mutuel – Mutuel (Standard model).

Lowest premium:
- 300 CHF: 469.85 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-300/
- 500 CHF: 458.25 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-500/
- 1'000 CHF: 429.05 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-1000/
- 1'500 CHF: 399.85 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-1500/
- 2'000 CHF: 370.75 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-2000/
- 2'500 CHF: 341.55 CHF (Atupri, HMO) — https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 469.85 | 458.25 | 429.05 | 399.85 | 370.75 | 341.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 473.25 | 461.60 | 432.45 | 403.25 | 374.10 | 344.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 473.25 | 461.60 | 432.45 | 403.25 | 374.10 | 344.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 477.45 | 465.85 | 436.65 | 407.45 | 378.35 | 349.15 |
| [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 | 480.75 | 469.15 | 439.95 | 410.75 | 381.65 | 352.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 481.95 | 470.35 | 441.15 | 411.95 | 382.85 | 353.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 484.05 | 472.45 | 443.25 | 414.05 | 384.95 | 355.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 484.25 | 472.55 | 443.45 | 414.25 | 385.05 | 355.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 490.45 | 478.85 | 449.65 | 420.45 | 391.35 | 362.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 490.55 | 479.05 | 450.05 | 420.55 | 391.55 | 362.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 491.25 | 479.55 | 450.40 | 421.25 | 392.05 | 362.90 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 492.25 | 480.65 | 451.45 | 422.25 | 393.15 | 363.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 492.65 | 481.05 | 451.85 | 422.65 | 393.55 | 364.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 493.15 | 481.45 | 458.15 | 428.95 | 393.95 | 364.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 493.35 | 481.75 | 452.55 | 423.35 | 394.25 | 365.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 495.20 | 483.55 | 454.40 | 425.20 | 396.05 | 366.90 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 495.45 | 483.85 | 454.65 | 425.45 | 396.35 | 367.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 495.45 | 483.85 | 454.65 | 425.45 | 396.35 | 367.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 495.45 | 483.85 | 454.65 | 425.45 | 396.35 | 367.15 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 496.50 | 484.85 | 455.70 | 426.50 | 397.35 | 368.20 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 497.65 | 486.05 | 456.85 | 427.65 | 398.55 | 369.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 497.75 | 486.15 | 456.95 | 427.75 | 398.65 | 369.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 497.95 | 486.35 | 457.15 | 427.95 | 398.85 | 369.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 498.05 | 486.45 | 457.25 | 428.05 | 398.95 | 369.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 499.15 | 487.55 | 458.35 | 429.15 | 400.05 | 370.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 500.70 | 489.05 | 459.90 | 430.70 | 401.55 | 372.40 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 501.65 | 490.05 | 460.85 | 431.65 | 402.55 | 373.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 501.95 | 490.25 | 466.85 | 437.75 | 414.35 | 385.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 501.95 | 490.25 | 466.85 | 437.75 | 402.75 | 373.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 502.05 | 490.45 | 461.25 | 432.05 | 402.95 | 373.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 502.75 | 491.15 | 461.95 | 432.75 | 403.65 | 374.45 |
| [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 | 503.85 | 492.25 | 463.05 | 433.85 | 404.75 | 375.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 503.85 | 492.25 | 463.05 | 433.85 | 404.75 | 375.55 |
| [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) | 505.15 | 493.65 | 464.65 | 435.15 | 406.15 | 377.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 506.20 | 494.55 | 465.40 | 436.20 | 407.05 | 377.90 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 506.20 | 494.55 | 465.40 | 436.20 | 407.05 | 377.90 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 506.20 | 494.55 | 465.40 | 436.20 | 407.05 | 377.90 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 507.55 | 495.95 | 466.75 | 437.55 | 408.45 | 379.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 509.15 | 497.55 | 468.35 | 439.15 | 410.05 | 380.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 509.15 | 497.55 | 468.35 | 439.15 | 410.05 | 380.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 510.95 | 499.95 | 472.45 | 444.45 | 416.85 | 389.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 512.35 | 500.75 | 471.55 | 442.35 | 413.25 | 384.05 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 514.95 | 504.15 | 477.35 | 450.55 | 423.85 | 396.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 514.95 | 504.15 | 477.35 | 450.55 | 423.85 | 396.95 |
| [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 | 515.45 | 503.85 | 474.65 | 445.45 | 416.35 | 387.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 515.95 | 504.35 | 475.15 | 445.95 | 416.85 | 407.65 |
| [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) | 516.85 | 505.35 | 476.35 | 446.85 | 417.85 | 388.85 |
| [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) | 517.75 | 506.15 | 476.95 | 447.75 | — | 389.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 517.75 | 506.15 | 476.95 | 447.75 | — | 389.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 517.75 | 506.15 | 476.95 | 447.75 | 418.65 | 389.45 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 518.45 | 508.35 | 482.95 | 457.65 | 432.25 | 397.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 519.55 | 507.95 | 478.75 | 449.55 | 420.45 | 391.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 519.75 | 508.05 | 478.95 | 449.75 | 420.55 | 391.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 522.15 | 510.55 | 481.35 | 452.15 | 423.05 | 393.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 522.25 | 510.65 | 487.25 | 458.15 | 423.15 | 393.95 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 522.90 | 512.60 | 482.05 | 452.90 | 423.75 | 394.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 524.15 | 512.55 | 483.35 | 454.15 | 425.05 | 395.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 524.55 | 513.85 | 487.25 | 460.55 | 433.85 | 407.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 525.05 | 513.45 | 484.25 | 455.05 | 425.95 | 400.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 525.15 | 519.35 | 496.05 | 466.85 | 437.65 | 408.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 525.15 | 519.35 | 496.05 | 466.85 | 437.65 | 408.55 |
| [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 | 526.95 | 515.35 | 486.15 | 456.95 | 427.85 | 398.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 526.95 | 515.35 | 486.15 | 456.95 | 427.85 | 398.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 527.45 | 516.75 | 489.95 | 463.05 | 436.25 | 409.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 531.65 | 521.45 | 495.75 | 470.05 | 444.45 | 418.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 535.55 | 523.95 | 494.75 | 465.55 | 436.45 | 407.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 535.55 | 523.95 | 494.75 | 465.55 | 436.45 | 407.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 538.55 | 526.85 | 497.75 | 468.55 | 439.35 | 410.25 |
| [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) | 539.65 | 528.15 | 499.15 | 469.65 | 440.65 | 411.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 541.35 | 529.75 | 500.55 | 471.35 | 442.25 | 413.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 542.15 | 530.55 | 501.35 | 472.15 | 443.05 | 413.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 542.45 | 530.85 | 501.65 | 472.55 | 443.35 | 414.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 542.45 | 530.85 | 501.65 | 472.45 | — | 414.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 542.85 | 531.85 | 504.35 | 476.35 | 448.75 | 421.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 542.85 | 531.35 | 502.35 | 472.85 | 443.85 | 414.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 543.85 | 533.35 | 507.05 | 480.85 | 454.65 | 428.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 544.65 | 533.00 | 503.85 | 474.65 | 445.50 | 416.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 547.35 | 535.75 | 506.55 | 477.35 | — | 419.05 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 548.15 | 537.10 | 509.45 | 481.80 | 454.15 | 421.00 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 548.25 | 536.55 | 507.35 | 478.25 | 449.05 | 419.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 548.65 | 537.05 | 507.85 | 478.65 | 449.55 | 420.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 548.65 | 537.05 | 507.85 | 478.65 | 449.55 | 420.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 549.05 | 537.45 | 508.25 | 479.05 | 449.95 | 424.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 549.85 | 539.35 | 512.75 | 486.15 | 459.75 | 433.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 554.25 | 542.55 | 513.35 | 484.25 | 455.05 | 425.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 557.25 | 545.65 | 516.45 | 487.25 | 458.15 | 428.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 560.05 | 548.45 | 519.25 | 490.05 | 461.05 | 431.75 |
| [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) | 561.85 | 550.35 | 521.35 | 491.85 | 462.85 | 433.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 562.85 | 556.25 | 522.05 | 492.85 | 463.75 | 434.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 564.45 | 552.85 | 523.65 | 494.45 | 465.35 | 436.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 565.15 | 554.65 | 527.65 | 501.15 | 474.15 | 447.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 566.25 | 554.65 | 525.45 | 496.25 | 467.15 | 437.95 |
| [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 | 567.05 | 555.45 | 526.25 | 497.05 | — | 438.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 571.55 | 564.85 | 530.65 | 501.55 | 472.35 | 443.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 572.95 | 561.35 | 532.15 | 502.95 | 473.85 | 444.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 573.25 | 561.65 | 532.45 | 503.25 | 474.15 | 444.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 573.75 | 562.05 | 532.95 | 503.75 | 474.55 | 445.45 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 577.25 | 565.60 | 536.50 | 507.40 | 478.30 | 449.20 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 577.55 | 565.95 | 536.75 | 507.55 | 478.45 | 449.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 577.75 | 566.15 | 536.95 | 507.75 | 478.65 | 449.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 577.95 | 566.45 | 537.45 | 507.95 | 478.95 | 449.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 578.15 | 571.45 | 537.25 | 508.15 | 478.95 | 449.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 578.15 | 571.45 | 537.25 | 508.15 | 478.95 | 449.75 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 582.05 | 570.45 | 541.25 | 512.05 | 482.95 | 453.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 587.85 | 576.35 | 547.35 | 517.85 | 488.85 | 459.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 590.25 | 578.55 | 549.45 | 520.25 | 491.05 | 461.95 |
| [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) | 591.25 | 579.75 | 550.75 | 521.25 | 492.25 | 463.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 591.35 | 584.65 | 550.55 | 521.35 | 492.15 | 463.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 592.95 | 581.95 | 554.45 | 526.45 | 498.85 | 471.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 593.05 | 581.45 | 554.05 | 526.05 | 498.15 | 470.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 596.25 | 584.55 | 555.45 | 526.25 | 497.05 | 467.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 596.55 | 584.95 | 555.75 | 526.65 | 497.45 | 468.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 597.25 | 585.65 | 556.45 | 527.25 | 498.15 | 468.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 601.55 | 589.85 | 560.75 | 531.55 | 502.35 | 473.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 604.75 | 593.15 | 563.95 | 534.75 | 505.65 | 476.45 |
| [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) | 611.55 | 600.05 | 571.05 | 541.55 | 512.55 | 483.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 614.65 | 603.05 | 573.85 | 544.65 | 515.55 | 486.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 616.35 | 604.75 | 575.55 | 546.35 | — | 488.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 628.25 | 616.75 | 587.75 | 558.25 | 529.25 | 500.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 650.95 | 644.25 | 610.05 | 580.95 | 551.75 | 522.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 657.55 | 650.85 | 616.75 | 587.55 | 558.35 | 529.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 672.45 | 660.95 | 631.95 | 602.45 | 573.45 | 544.45 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident.md

\* insurer’s default model

Last modified: 29/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Lucerne for an adult aged 26 or over with a deductible of 300 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in [Lucerne](https://praemiencheck.onedoc.ch/en/lu/lucerne/) is Atupri (HMO) at 469.85 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 522.90 CHF a month.

### How much does health insurance cost in Lucerne in 2027 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 469.85 CHF (Atupri, HMO) to 672.45 CHF (Groupe Mutuel – Mutuel, 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: 441.35 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Lucerne for an adult aged 26 or over with accident cover?

On the cheapest offer (Atupri, HMO), the premium goes from 469.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/deductible-300/) to 341.55 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/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 Lucerne for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 522.90 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 469.85 CHF (Atupri), flexible model 492.25 CHF (Atupri), telemedicine 473.25 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 474.60 CHF at Atupri (HMO) gives 469.85 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.

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/lucerne/adult/with-accident/

## Related pages

- With accident cover: from 341.55 to 672.45 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/lu/lucerne/adult/with-accident/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…) and `lucerne` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.