Health insurance premiums 2027 in Luthern (LU)For an adult aged 26 or over without accident cover

In 2027, without accident cover, the cheapest offer in Luthern is Sanitas (TelMed Basic) at 408.70 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 435.80 CHF a month.

For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, monthly premiums run from 408.70 CHF (Sanitas, TelMed Basic) to 587.35 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: 395.15 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (Sanitas, TelMed Basic), the premium goes from 408.70 CHF a month with the 300 CHF deductible to 289.25 CHF with the 2'500 CHF deductible: 119.45 CHF less a month, 1'433.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'893 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 435.80 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 413.50 CHF (Sanitas), flexible model 428.55 CHF (Assura), telemedicine 408.70 CHF (Sanitas).

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 413.45 CHF at Sanitas (TelMed Basic) gives 408.70 CHF after redistribution.

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.