# Health insurance premiums 2027 in Luthern (LU), for a child aged 0 to 18, deductible of 200 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Luthern](https://praemiencheck.onedoc.ch/en/lu/luthern/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/luthern/child/) with a 200 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/), the cheapest monthly basic insurance premium is **77.55 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 131.55 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (200 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 87.15 | — | 77.55 | 72.75 | 68.05 | 63.05 | 58.35 | +6.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 89.85 | — | 79.05 | — | 68.25 | — | 57.35 | +4.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 90.35 | 84.95 | 79.55 | 74.15 | 68.75 | — | 57.85 | +6.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 90.65 | 85.25 | 79.85 | 74.35 | 68.95 | 63.55 | 58.05 | New tariff 2027 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 89.15 | — | 80.55 | — | 71.75 | — | 63.15 | +4.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 92.05 | — | 81.25 | — | 70.35 | — | 59.45 | +4.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 92.05 | — | 81.25 | — | 70.35 | — | 59.45 | +4.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 92.55 | 87.10 | 81.60 | 76.10 | 70.65 | 65.15 | 59.65 | +4.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 92.45 | — | 82.25 | 77.25 | 72.25 | 67.05 | 62.05 | +7.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 93.60 | 88.10 | 82.65 | 77.15 | 71.65 | 66.20 | 60.70 | +4.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 93.05 | — | 82.75 | 77.75 | 72.55 | 67.45 | 62.45 | +6.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 93.65 | — | 82.85 | — | 71.95 | — | 61.05 | +4.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 93.95 | 88.45 | 82.95 | 77.45 | 71.95 | 66.45 | 60.85 | +2.7 % |
| [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) | 92.65 | — | 83.65 | — | 74.65 | — | 65.65 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 94.55 | 89.15 | 83.75 | 78.25 | 72.85 | 67.45 | 61.95 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 95.05 | 89.65 | 84.35 | 78.85 | 73.45 | 68.05 | 62.55 | +5.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 94.55 | 89.55 | 84.55 | 79.45 | 74.55 | 69.65 | 64.45 | +4.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 94.55 | 89.55 | 84.55 | 79.45 | 74.55 | 69.65 | 64.45 | +4.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 96.25 | 90.75 | 85.25 | 79.65 | 74.25 | 68.75 | 63.15 | +3.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 96.25 | 90.85 | 85.45 | 79.95 | 74.55 | 69.15 | — | −5.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 96.55 | 91.15 | 85.75 | 80.25 | 74.85 | — | 63.95 | +8.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 95.05 | — | 85.85 | — | 76.65 | — | 67.35 | +4.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 96.95 | 91.55 | 86.15 | 80.65 | 75.25 | 69.85 | — | −5.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 96.15 | 91.45 | 86.75 | 82.05 | 77.35 | 70.85 | — | +4.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 96.15 | — | 86.95 | — | 77.55 | — | 68.15 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 98.45 | 93.05 | 87.65 | 82.15 | 76.75 | 71.35 | 65.85 | +5.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 98.75 | 93.30 | 87.80 | 82.30 | 76.85 | 71.35 | 65.85 | +3.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 99.05 | 93.55 | 88.05 | 82.55 | 77.05 | 71.55 | 65.95 | +2.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 100.75 | 95.35 | 89.95 | 84.55 | 79.05 | 73.65 | — | +5.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 101.45 | — | 90.35 | 84.85 | 79.35 | 73.75 | 68.25 | +6.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 101.45 | 96.05 | 90.65 | 85.15 | 79.75 | — | 68.95 | +8.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 100.55 | 95.75 | 90.95 | 86.05 | 81.45 | 76.45 | 71.55 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 101.75 | 96.35 | 90.95 | 85.55 | 80.15 | 74.75 | 69.25 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 101.75 | 96.35 | 90.95 | 85.55 | 80.15 | 74.75 | 69.25 | +5.7 % |
| [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 | 100.85 | — | 91.15 | — | 81.35 | — | 71.65 | +4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 102.05 | 96.65 | 91.25 | 85.85 | 80.45 | — | 69.55 | +8.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 102.55 | 97.05 | 91.65 | 86.15 | 80.75 | 75.25 | 69.85 | +5.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 102.75 | — | 91.95 | — | 81.05 | — | 70.15 | +4.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 103.05 | 97.65 | 92.25 | 86.85 | 81.45 | 76.05 | 70.55 | +3.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 102.95 | 98.05 | 93.15 | 88.15 | 83.45 | 78.25 | 73.35 | +6.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 104.15 | 99.15 | 94.15 | 89.15 | 84.45 | 79.25 | 74.15 | +5.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 105.25 | 99.85 | 94.35 | 88.95 | 83.45 | 77.95 | 72.55 | +8.5 % |
| [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) | 106.55 | 101.15 | 95.75 | 90.25 | 84.85 | 79.45 | 74.05 | +1.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 106.55 | 101.15 | 95.75 | 90.25 | 84.85 | 79.45 | 74.05 | +1.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 107.15 | 101.75 | 96.35 | 90.85 | 85.45 | — | 74.65 | +8.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 107.25 | 101.85 | 96.45 | 90.95 | 85.55 | 80.15 | 74.75 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 107.35 | 101.95 | 96.55 | 91.05 | 85.65 | 80.35 | 74.85 | +5.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 107.45 | 102.05 | 96.60 | 91.15 | 85.75 | 80.30 | 74.85 | +5.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 107.85 | 102.45 | 97.05 | 91.55 | 86.15 | 80.75 | 75.25 | +1.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 108.45 | 103.05 | 97.55 | 92.15 | 86.65 | 81.25 | 75.75 | +2.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 108.60 | 103.20 | 97.75 | 92.30 | 86.90 | 81.45 | 76.00 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 108.60 | 103.20 | 97.75 | 92.30 | 86.90 | 81.45 | 76.00 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 108.60 | 103.20 | 97.75 | 92.30 | 86.90 | 81.45 | 76.00 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 108.60 | 103.20 | 97.75 | 92.30 | 86.90 | 81.45 | 76.00 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 108.60 | 103.20 | 97.75 | 92.30 | 86.90 | 81.45 | 76.00 | +5.0 % |
| [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) | 108.55 | 103.15 | 97.75 | 92.25 | 86.85 | 81.45 | 75.95 | +5.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 108.55 | 103.15 | 97.75 | 92.25 | 86.85 | 81.45 | 75.95 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 109.75 | 104.35 | 98.90 | 93.45 | 88.05 | 82.60 | 77.20 | +5.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 109.85 | 104.45 | 98.95 | 93.45 | 88.05 | 82.65 | — | −4.3 % |
| [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) | 110.05 | 104.65 | 99.35 | 93.85 | 88.45 | 83.05 | 77.55 | +7.7 % |
| [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) | 110.25 | 104.85 | 99.45 | 94.05 | 88.65 | 83.25 | 77.75 | +1.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.55 | 105.15 | 99.65 | 94.05 | 88.55 | 83.05 | 77.55 | +2.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 110.75 | 105.35 | 99.95 | 94.45 | 89.05 | 83.65 | 78.15 | +7.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.15 | 105.75 | 100.35 | 94.95 | 89.55 | 84.15 | — | +4.9 % |
| [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) | 111.35 | 105.95 | 100.55 | 95.05 | 89.65 | 84.35 | 78.85 | +7.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 111.35 | 105.95 | 100.55 | 95.05 | 89.65 | 84.35 | 78.85 | +7.6 % |
| [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) | 111.65 | 106.25 | 100.85 | 95.35 | 89.95 | 84.55 | 79.15 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 111.85 | 106.35 | 100.95 | 95.45 | 90.05 | 84.55 | 79.15 | +8.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.10 | 106.70 | 101.25 | 95.80 | 90.40 | 84.95 | 79.50 | +5.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 112.35 | 106.85 | 101.35 | — | 90.25 | — | 79.15 | +4.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 112.35 | 106.85 | 101.35 | — | 90.25 | — | 79.15 | +4.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.65 | — | 101.85 | — | 90.95 | — | 80.05 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 112.85 | 107.45 | 101.95 | 96.55 | 91.05 | 85.65 | 80.15 | +7.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 113.35 | 108.60 | 102.70 | 96.80 | 90.90 | 85.00 | 79.10 | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 114.25 | 108.75 | 103.35 | 97.85 | 92.45 | 86.95 | 81.55 | +8.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 114.95 | 109.45 | 103.95 | — | 92.85 | — | 81.75 | +4.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 114.85 | 109.45 | 103.95 | 98.45 | 93.25 | 87.55 | 81.95 | +5.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 116.55 | 111.05 | 105.55 | — | 94.45 | — | 83.35 | +4.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 109.95 | — | 106.15 | — | 101.05 | — | 90.15 | +14.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.50 | 114.55 | 108.30 | 102.10 | 97.15 | 90.90 | 84.70 | +2.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.65 | 114.25 | 108.85 | 103.35 | 97.95 | 92.55 | 87.05 | +1.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 121.05 | 115.75 | 110.35 | 104.85 | 99.45 | 94.05 | 88.55 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 114.45 | — | 110.55 | — | 101.05 | — | 90.15 | +15.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 122.25 | 116.85 | 111.35 | 105.95 | 100.45 | 95.05 | 89.55 | +7.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 122.55 | 117.05 | 111.65 | 106.15 | 100.75 | 95.25 | 89.85 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.75 | — | 111.85 | — | 101.05 | — | 90.15 | +9.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 122.75 | — | 111.85 | — | 101.05 | — | 90.15 | +12.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 122.75 | — | 111.85 | — | 101.05 | — | 90.15 | +9.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 118.85 | — | 111.85 | — | 101.05 | — | 90.15 | +14.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 122.75 | — | 111.85 | — | 101.05 | — | 90.15 | +9.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.85 | 117.45 | 112.05 | 106.55 | 101.15 | 95.75 | 90.25 | +7.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 124.65 | 119.15 | 113.65 | 108.25 | 102.75 | 97.35 | 91.85 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 124.75 | — | 113.85 | — | 103.05 | — | 92.25 | +10.2 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.85 | 117.45 | 114.35 | 106.45 | 100.95 | 95.55 | 89.95 | +6.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 126.25 | — | 115.35 | — | 104.45 | — | 93.65 | +10.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 126.25 | — | 115.35 | — | 104.45 | — | 93.65 | +10.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 126.25 | — | 115.35 | — | 104.45 | — | 93.65 | +10.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 126.25 | — | 115.35 | — | 104.45 | — | 93.65 | +10.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 126.35 | 120.95 | 115.45 | 109.95 | 104.55 | 99.05 | 93.65 | +7.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.85 | 121.35 | 115.85 | — | 104.65 | — | 93.55 | +4.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 129.05 | 123.65 | 118.15 | 112.75 | 107.25 | 101.85 | 96.35 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 129.05 | 123.65 | 118.15 | 112.75 | 107.25 | 101.85 | 96.35 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 129.05 | 123.65 | 118.15 | 112.75 | 107.25 | 101.85 | 96.35 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 130.45 | 124.95 | 119.55 | 114.05 | 108.65 | 103.15 | 97.65 | +7.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 130.45 | 124.95 | 119.55 | 114.05 | 108.65 | 103.15 | 97.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 130.45 | 124.95 | 119.55 | 114.05 | 108.65 | 103.15 | 97.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 130.45 | 124.95 | 119.55 | 114.05 | 108.65 | 103.15 | 97.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 130.45 | 124.95 | 119.55 | 114.05 | 108.65 | 103.15 | 97.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 130.45 | 124.95 | 119.55 | 114.05 | 108.65 | 103.15 | 97.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.75 | 126.35 | 120.85 | 115.45 | 109.95 | 104.55 | 99.05 | +7.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 142.45 | — | 131.55 | — | 120.65 | — | 109.85 | +10.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 93.35 | — | — | — | — | 66.25 | — | — |
| [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 | 96.75 | — | — | — | — | 69.65 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 96.75 | — | — | — | — | 69.65 | — | — |
| [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 | 97.95 | — | — | — | — | 70.95 | — | — |
| [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 | 100.25 | — | — | — | — | 73.25 | — | — |
| [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 | 102.65 | — | — | — | — | 75.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 102.65 | — | — | — | — | 75.55 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 110.55 | — | — | 94.25 | — | — | 77.95 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.05 | — | — | — | — | 84.95 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 116.15 | — | — | 99.85 | — | — | 83.55 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.45 | — | — | 104.25 | — | — | 87.95 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Luthern for a child aged 0 to 18 with a deductible of 200 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/), the cheapest offer in [Luthern](https://praemiencheck.onedoc.ch/en/lu/luthern/) is Agrisano (AGRIsmart) at 77.55 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 87.80 CHF a month.

### How much does health insurance cost in Luthern in 2027 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/luthern/child/) with a deductible of 200 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/), monthly premiums run from 77.55 CHF (Agrisano, AGRIsmart) to 131.55 CHF (Sympany, 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: 97.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Luthern for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 87.15 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-0/) to 58.35 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-600/): 28.80 CHF less a month, 345.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 384 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Luthern for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a child aged 0 to 18 with a deductible of 200 CHF and without accident cover, the cheapest premium per model is: standard model 87.80 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 79.05 CHF (ÖKK), flexible model 81.25 CHF (ÖKK), telemedicine 77.55 CHF (Agrisano).

### Does a second or third child pay less in Luthern?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 25 insurers present in Luthern file a reduced premium from a certain number of children insured with them, at a 200 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 77.55 CHF | 31.15 CHF from the 3rd child |
| Galenos | Managed Care | 91.65 CHF | 32.35 CHF from the 3rd child |
| Visana | Managed Care | 100.95 CHF | 33.85 CHF from the 3rd child |
| CONCORDIA | HMO | 82.95 CHF | 34.95 CHF from the 3rd child |
| sana24 | Managed Care | 111.35 CHF | 37.55 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 106.15 CHF | 38.05 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 84.55 CHF | 39.95 CHF from the 3rd child |
| Aquilana | SMARTMED | 86.75 CHF | 41.05 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 81.60 CHF | 54.85 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 95.75 CHF | 70.65 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 96.45 CHF | 71.15 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 99.35 CHF | 73.35 CHF from the 5th child |
| Assura | MediTel | 79.85 CHF | 78.35 CHF from the 4th child, 76.95 CHF from the 5th child |
| EGK | EGK-Care | 85.45 CHF | 76.95 CHF from the 3rd child |
| SLKK | SmartMed | 90.95 CHF | 80.35 CHF from the 3rd child |

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

### 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 82.30 CHF at Agrisano (AGRIsmart) gives 77.55 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Luthern is in region 3 of canton Lucerne.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

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/luthern/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Luthern (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/luthern/
- Premiums 2027 in Luthern (LU), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/luthern/child/
- Premiums 2027 in Luthern (LU), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/lu/luthern/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/lu/luthern/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/lu/luthern/child/with-accident/deductible-200/
- Deductible Premiums 2027 in Luthern (LU), child, deductible of 0 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-0/
- Deductible Premiums 2027 in Luthern (LU), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-100/
- Deductible Premiums 2027 in Luthern (LU), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-300/
- Deductible Premiums 2027 in Luthern (LU), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-400/
- Deductible Premiums 2027 in Luthern (LU), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-500/
- Deductible Premiums 2027 in Luthern (LU), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/lu/luthern/child/no-accident/deductible-0/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `luthern` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-200` with `deductible-600` for another deductible. Markdown version: add `.md`.