Health insurance premiums 2026 in Lucerne (LU)For a child aged 0 to 18

In 2026, without accident cover: ÖKK (HMO model) at 93.35 CHF a month with a deductible of 0 CHF, and ÖKK (HMO model) at 60.85 CHF with the 600 CHF deductible. With accident cover: ÖKK (HMO model) at 100.75 CHF, and ÖKK (HMO model) at 65.75 CHF.

For a child aged 0 to 18 with ÖKK (HMO model), the premium rises from 93.35 CHF a month without accident cover to 100.75 CHF with accident cover, at the 0 CHF deductible: 7.40 CHF a month, 88.80 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

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 105.90 CHF at ÖKK (HMO model) gives 100.75 CHF after redistribution.

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.