Health insurance premiums 2027 in Lucerne (LU)For a young adult aged 19 to 25 with accident cover
From 220.35 to 495.05 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Sanitas | Family doctor 1 | 348.65 | 337.00 | 307.85 | 278.65 | 249.50 | 220.35 |
| 2 | Sanitas | TelMed Basic | 348.65 | 337.00 | 307.85 | 278.65 | 249.50 | 220.35 |
| 3 |  Atupri | HMO | 349.25 | 337.65 | 308.45 | 279.25 | 250.15 | 220.95 |
| 4 |  CSS | HMO (health practice) | 352.15 | 340.55 | 311.35 | 282.15 | 253.05 | 223.85 |
| 5 |  Sympany | casamed hmo | 352.25 | 340.55 | 311.35 | 282.25 | 253.05 | 223.85 |
| 6 | Sanitas | Family doctor 2 | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 |
| 7 | Sanitas | Family doctor 3 | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 |
| 8 | Sanitas | Family doctor 4 | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 |
| 9 | Sanitas | MultiAccess | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 |
| 10 | Sanitas | TelMed Plus | 352.30 | 340.65 | 311.50 | 282.30 | 253.15 | 224.00 |
| 11 | Atupri | CareMed | 354.95 | 343.35 | 314.15 | 284.95 | 255.85 | 226.65 |
| 12 |  CONCORDIA | HMO | 355.55 | 343.95 | 314.75 | 285.55 | 256.45 | 227.25 |
| 13 | Sympany | flexhelp24 | 358.35 | 346.75 | 317.55 | 288.35 | 259.25 | 230.05 |
| 14 |  Groupe Mutuel – Avenir | SanaTel (Telemedicine) | 358.45 | 346.95 | 317.95 | 288.45 | 259.45 | 230.45 |
| 15 | Atupri | SmartCare | 359.85 | 348.25 | 319.05 | 289.85 | 260.75 | 231.55 |
| See all | See all | See all | See all | See all | See all | |||
In 2027, for a young adult aged 19 to 25 in Lucerne, with accident cover, the cheapest health insurance premium is:
- 348.65 CHF a month with a 300 CHF deductible (Sanitas, Family doctor 1)
- 220.35 CHF a month with a 2'500 CHF deductible (Sanitas, Family doctor 1)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Lucerne for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?
In 2027, with accident cover, the cheapest offer in Lucerne is Sanitas (Family doctor 1) at 348.65 CHF a month.
How much does health insurance cost in Lucerne in 2027 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 348.65 CHF (Sanitas, Family doctor 1) to 495.05 CHF (SLKK, 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: 305.55 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Lucerne for a young adult aged 19 to 25 with accident cover?
On the cheapest offer (Sanitas, Family doctor 1), the premium goes from 348.65 CHF a month with the 300 CHF deductible to 220.35 CHF with the 2'500 CHF deductible: 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 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 300 CHF and with accident cover, the cheapest premium per model is: standard model 363.35 CHF (Sanitas), family doctor / HMO 348.65 CHF (Sanitas), flexible model 352.30 CHF (Sanitas), telemedicine 348.65 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 353.40 CHF at Sanitas (Family doctor 1) gives 348.65 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.
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.