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122 offersfrom 25 health insurers

Young adult (19 to 25) · with accident cover · deductible of 1'000 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Luthern (canton Lucerne), in 2027, for a young adult aged 19 to 25 with a 1'000 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 285.70 CHF with Agrisano (AGRIsmart model) and the most expensive is 423.80 CHF with Groupe Mutuel – Mutuel (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Luthern for a young adult aged 19 to 25 with a deductible of 1'000 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Luthern is Agrisano (AGRIsmart) at 285.70 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 305.20 CHF a month.

How much does health insurance cost in Luthern in 2027 for a young adult aged 19 to 25?

For a young adult aged 19 to 25 with a deductible of 1'000 CHF and with accident cover, monthly premiums run from 285.70 CHF (Agrisano, AGRIsmart) to 423.80 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: 262.00 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 300 CHF or 2'500 CHF better in Luthern for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 321.00 CHF a month with the 300 CHF deductible to 210.00 CHF with the 2'500 CHF deductible: 111.00 CHF less a month, 1'332.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'780 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

Which model is the cheapest in Luthern 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 1'000 CHF and with accident cover, the cheapest premium per model is: standard model 305.20 CHF (Sanitas), family doctor / HMO 287.80 CHF (Atupri), flexible model 294.80 CHF (Sanitas), telemedicine 285.70 CHF (Agrisano).

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.