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Change the search: LucerneAdultYoung adultChild · with accidentwithout accidentThe lowest monthly premiumThe lowest deductible300 CHF500 CHF1'000 CHF1'500 CHF2'000 CHF2'500 CHF0 CHF100 CHF200 CHF400 CHF600 CHF

Health insurance premiums 2026 in Lucerne (LU) For a young adult aged 19 to 25 who wants a deductible of 2'500 CHF with accident cover

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122 offersfrom 25 health insurers

Young adult (19 to 25) · with accident cover · deductible of 2'500 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 5.15 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Lucerne (canton Lucerne), in 2026, for a young adult aged 19 to 25 with a 2'500 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 202.95 CHF with CSS (HMO (health practice) model) and the most expensive is 355.55 CHF with Einsiedler Krankenkasse (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Lucerne for a young adult aged 19 to 25 with a deductible of 2'500 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in Lucerne is CSS (HMO (health practice)) at 202.95 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 222.15 CHF a month.

How much does health insurance cost in Lucerne in 2026 for a young adult aged 19 to 25?

For a young adult aged 19 to 25 with a deductible of 2'500 CHF and with accident cover, monthly premiums run from 202.95 CHF (CSS, HMO (health practice)) to 355.55 CHF (Einsiedler Krankenkasse, 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: 298.75 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 (CSS, HMO (health practice)), the premium goes from 331.25 CHF a month with the 300 CHF deductible to 202.95 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 2'500 CHF and with accident cover, the cheapest premium per model is: standard model 222.15 CHF (Sanitas), family doctor / HMO 202.95 CHF (CSS), flexible model 211.55 CHF (Sanitas), telemedicine 207.95 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 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 208.10 CHF at CSS (HMO (health practice)) gives 202.95 CHF after redistribution.

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 premiums on this page are those approved by the FOPH for 2026.

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.