# Health insurance premiums 2027 in Root (LU), for an adult aged 26 or over who wants a deductible of 1'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · with accident cover · monthly premiums in CHF_

In [Root](https://praemiencheck.onedoc.ch/en/lu/root/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/lu/root/adult/) with a 1'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/), the cheapest monthly basic insurance premium is **388.40 CHF** with **CONCORDIA** (HMO model) and the most expensive is 580.20 CHF with Groupe Mutuel – Mutuel (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (1'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 458.40 | 446.80 | 417.60 | 388.40 | 359.30 | 330.10 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 458.65 | 447.00 | 417.85 | 388.65 | 359.50 | 330.35 | New tariff 2027 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 460.25 | 448.60 | 419.45 | 390.25 | 361.10 | 331.95 | +5.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 451.70 | 441.60 | 416.40 | 391.20 | 365.90 | 340.70 | +7.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 461.50 | 449.90 | 420.70 | 391.50 | 362.40 | 333.20 | 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 | 463.70 | 452.10 | 422.90 | 393.70 | — | 335.40 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 463.95 | 452.30 | 423.15 | 393.95 | 364.80 | 335.65 | +5.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 464.10 | 452.50 | 423.30 | 394.10 | 365.00 | 335.80 | +1.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 464.80 | 453.20 | 424.00 | 394.80 | 365.70 | 336.50 | +3.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 465.15 | 453.50 | 424.35 | 395.15 | 366.00 | 336.85 | +5.3 % |
| [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) | 467.90 | 456.30 | 427.10 | 397.90 | — | 339.60 | +4.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 469.10 | 457.50 | 428.30 | 399.10 | 370.00 | 340.80 | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 470.90 | 459.30 | 430.10 | 400.90 | 371.80 | 342.60 | +7.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 472.40 | 460.80 | 431.60 | 402.40 | 373.30 | 344.10 | +4.3 % |
| [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 | 475.00 | 463.40 | 434.20 | 405.00 | 375.90 | 346.70 | +4.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 475.10 | 463.50 | 434.30 | 405.10 | 376.00 | 346.80 | +4.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 475.20 | 463.60 | 434.40 | 405.20 | 376.10 | 346.90 | +4.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 475.50 | 464.00 | 435.00 | 405.50 | 376.50 | 347.50 | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 476.00 | 464.30 | 435.10 | 406.00 | 376.80 | 347.60 | +2.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 476.70 | 465.00 | 435.80 | 406.70 | 377.50 | 348.30 | +8.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 477.10 | 465.40 | 436.30 | 407.10 | 377.90 | 348.80 | +2.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 479.40 | 467.80 | 438.60 | 409.40 | 380.30 | 351.10 | +8.3 % |
| [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 | 480.40 | 468.80 | 439.60 | 410.40 | 381.30 | 352.10 | +2.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 480.40 | 468.80 | 439.60 | 410.40 | 381.30 | 352.10 | +5.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 480.50 | 468.90 | 439.70 | 410.50 | 381.40 | 352.20 | +6.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 480.90 | 469.30 | 440.10 | 410.90 | 381.80 | 352.60 | +3.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 482.50 | 470.90 | 441.70 | 412.50 | 383.40 | 354.20 | +2.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 483.20 | 471.60 | 442.40 | 413.20 | 384.10 | 354.90 | +6.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 477.80 | 467.10 | 440.50 | 413.80 | 387.00 | 360.40 | +7.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 478.60 | 467.80 | 441.00 | 414.30 | 387.40 | 360.60 | +3.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 478.60 | 467.80 | 441.00 | 414.30 | 387.40 | 360.60 | +3.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 484.70 | 473.10 | 443.90 | 414.70 | — | 356.40 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 485.30 | 473.65 | 444.50 | 415.30 | 386.15 | 357.00 | +5.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 485.70 | 474.10 | 444.90 | 415.70 | 386.60 | 357.40 | +4.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 486.00 | 474.40 | 445.20 | 416.00 | 386.90 | 357.70 | +4.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 486.00 | 474.40 | 445.20 | 416.00 | 386.90 | 357.70 | +4.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 480.40 | 469.70 | 442.90 | 416.00 | 389.20 | 362.40 | +6.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 488.30 | 476.70 | 447.50 | 418.30 | 389.20 | 360.00 | +4.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 488.90 | 477.30 | 448.10 | 418.90 | — | 360.60 | +4.5 % |
| [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) | 489.50 | 478.00 | 449.00 | 419.50 | 390.50 | 361.50 | +4.9 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 489.65 | 479.30 | 448.80 | 419.65 | 390.50 | 361.30 | +5.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 490.40 | 478.80 | 449.60 | 420.40 | 391.30 | 362.10 | +8.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 490.65 | 479.00 | 449.85 | 420.65 | 391.50 | 362.35 | +5.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 482.70 | 472.50 | 446.80 | 421.10 | 395.50 | 369.80 | +6.2 % |
| [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 | 491.40 | 479.80 | 450.60 | 421.40 | 392.30 | 363.10 | +2.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 492.50 | 480.80 | 451.70 | 422.50 | 393.30 | 364.20 | +2.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 493.50 | 481.90 | 452.70 | 423.50 | 394.40 | 385.20 | +5.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 494.10 | 482.50 | 453.30 | 424.10 | 395.00 | 365.80 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 494.10 | 482.50 | 453.30 | 424.10 | 395.00 | 365.80 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 488.80 | 477.10 | 453.60 | 424.40 | 389.60 | 360.40 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 495.90 | 484.30 | 455.10 | 425.90 | 396.80 | 367.60 | +8.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 495.90 | 484.30 | 455.10 | 425.90 | 396.80 | 367.60 | +8.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 495.95 | 484.30 | 455.15 | 425.95 | 396.80 | 367.65 | +5.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 495.95 | 484.30 | 455.15 | 425.95 | 396.80 | 367.65 | +5.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 495.95 | 484.30 | 455.15 | 425.95 | 396.80 | 367.65 | New tariff 2027 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 496.30 | 484.70 | 455.50 | 426.30 | 397.20 | 372.00 | +7.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 489.30 | 479.20 | 453.80 | 428.40 | 403.00 | 368.90 | +5.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 495.10 | 484.10 | 456.60 | 428.60 | 401.00 | 373.50 | +6.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 499.20 | 487.50 | 458.40 | 429.20 | 400.00 | 370.90 | +7.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 494.40 | 482.80 | 459.20 | 430.10 | 406.60 | 377.40 | New tariff 2027 |
| [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) | 500.70 | 489.20 | 460.20 | 430.70 | 401.70 | 372.70 | +4.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 493.70 | 483.30 | 457.00 | 430.70 | 404.50 | 378.20 | +6.2 % |
| [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 | 502.30 | 490.70 | 461.50 | 432.30 | 403.20 | 374.00 | +1.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 502.30 | 490.70 | 461.50 | 432.30 | 403.20 | 374.00 | 0.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 497.20 | 485.60 | 462.10 | 432.90 | 398.10 | 368.90 | New tariff 2027 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 499.20 | 488.60 | 462.10 | 435.50 | 409.00 | 382.40 | +6.2 % |
| [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 | 505.70 | 494.10 | 464.90 | 435.70 | — | 377.40 | +4.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 500.10 | 488.40 | 464.90 | 435.70 | 400.90 | 371.70 | New tariff 2027 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 510.40 | 498.80 | 469.60 | 440.40 | 411.30 | 394.10 | +7.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 511.70 | 500.10 | 470.90 | 441.80 | 412.60 | 383.40 | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 515.80 | 504.20 | 475.00 | 445.80 | 416.70 | 387.50 | +6.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 515.80 | 504.20 | 475.00 | 445.80 | 416.70 | 387.50 | +6.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 514.90 | 504.60 | 478.85 | 447.95 | 417.05 | 391.30 | +1.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 520.10 | 513.40 | 479.30 | 450.10 | 420.90 | 391.80 | +8.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 520.20 | 508.60 | 479.40 | 450.20 | 421.10 | 391.90 | +3.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 522.20 | 510.50 | 481.40 | 452.20 | 423.00 | 393.90 | +6.4 % |
| [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) | 522.70 | 511.20 | 482.20 | 452.70 | 423.70 | 394.70 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 523.10 | 516.40 | 482.30 | 453.10 | 423.90 | 394.80 | +8.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 518.70 | 508.20 | 481.20 | 454.70 | 427.70 | 400.70 | +4.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 525.70 | 514.20 | 485.20 | 455.70 | 426.70 | 397.70 | +9.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 526.80 | 515.10 | 485.90 | 456.80 | 427.60 | 398.40 | +2.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 529.10 | 522.40 | 488.30 | 459.10 | 429.90 | 400.80 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 529.10 | 522.40 | 488.30 | 459.10 | 429.90 | 400.80 | +8.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 525.70 | 514.70 | 487.20 | 459.20 | 431.60 | 404.10 | +9.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 530.80 | 519.20 | 490.00 | 460.80 | 431.70 | 402.50 | +4.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 533.30 | 521.65 | 492.50 | 463.30 | 434.15 | 405.00 | +5.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 534.00 | 522.30 | 493.20 | 464.00 | 434.80 | 405.70 | +7.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 536.10 | 524.50 | 495.30 | 466.10 | 437.00 | 407.80 | +2.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 525.50 | 519.50 | 496.00 | 466.80 | 437.60 | 408.50 | New tariff 2027 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 537.30 | 525.60 | 496.50 | 467.30 | 438.10 | 409.00 | +3.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 539.80 | 528.10 | 499.00 | 469.80 | 440.60 | 411.50 | +7.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 539.80 | 528.10 | 499.00 | 469.80 | 440.60 | 411.50 | +7.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 540.00 | 528.40 | 499.20 | 470.00 | 440.90 | 411.70 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 541.10 | 534.50 | 500.30 | 471.10 | 442.00 | 412.80 | +8.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 531.10 | 525.10 | 501.60 | 472.40 | 443.30 | 414.10 | New tariff 2027 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 542.80 | 531.20 | 502.00 | 472.80 | 443.70 | 414.50 | +6.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 542.90 | 531.30 | 502.10 | 472.90 | 443.80 | 414.60 | +6.1 % |
| [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) | 543.90 | 532.40 | 503.40 | 473.90 | 444.90 | 415.90 | +9.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 546.00 | 534.40 | 505.20 | 476.00 | 446.90 | 417.70 | 0.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 542.00 | 531.15 | 504.05 | 476.95 | 444.45 | 417.35 | +3.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 544.00 | 532.40 | 505.00 | 477.00 | 449.00 | 421.00 | +4.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 547.60 | 536.00 | 506.80 | 477.60 | — | 419.30 | +4.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 548.60 | 537.00 | 507.80 | 478.60 | 449.50 | 420.30 | +6.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 551.00 | 539.40 | 510.20 | 481.00 | 451.90 | 422.70 | +8.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 552.00 | 540.30 | 511.10 | 482.00 | 452.80 | 423.60 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 557.20 | 545.50 | 516.40 | 487.20 | 458.00 | 428.90 | +7.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 559.40 | 547.90 | 518.90 | 489.40 | 460.40 | 431.40 | +4.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 562.30 | 550.70 | 521.50 | 492.40 | 463.20 | 434.00 | +5.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 563.70 | 552.10 | 522.90 | 493.70 | 464.60 | 435.80 | +4.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 564.00 | 552.40 | 523.20 | 494.00 | 464.90 | 435.70 | +7.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 565.00 | 553.40 | 524.20 | 495.00 | 465.90 | 436.70 | +2.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 568.90 | 557.40 | 528.40 | 498.90 | 469.90 | 440.90 | +9.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 571.30 | 559.60 | 530.50 | 501.30 | 472.10 | 443.00 | +2.8 % |
| [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) | 572.10 | 560.60 | 531.60 | 502.10 | 473.10 | 444.10 | +9.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 574.60 | 562.90 | 533.80 | 504.60 | 475.40 | 446.30 | +7.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 573.80 | 562.80 | 535.30 | 507.30 | 479.70 | 452.20 | +9.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 580.40 | 568.70 | 539.60 | 510.40 | 481.20 | 452.10 | +7.7 % |
| [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) | 591.70 | 580.20 | 551.20 | 521.70 | 492.70 | 463.70 | +9.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 595.20 | 588.50 | 554.40 | 525.20 | 496.00 | 466.90 | +8.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 601.20 | 594.50 | 560.40 | 531.20 | 502.00 | 472.90 | +8.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 607.70 | 596.20 | 567.20 | 537.70 | 508.70 | 479.70 | +8.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 650.20 | 638.70 | 609.70 | 580.20 | 551.20 | 522.20 | +9.0 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Root for an adult aged 26 or over with a deductible of 1'500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/), the cheapest offer in [Root](https://praemiencheck.onedoc.ch/en/lu/root/) is CONCORDIA (HMO) at 388.40 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 419.65 CHF a month.

### How much does health insurance cost in Root in 2027 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/lu/root/adult/) with a deductible of 1'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/), monthly premiums run from 388.40 CHF (CONCORDIA, HMO) to 580.20 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: 412.40 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Root for an adult aged 26 or over with accident cover?

On the cheapest offer (CONCORDIA, HMO), the premium goes from 458.40 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-300/) to 330.10 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-2500/): 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 Root for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 1'500 CHF and with accident cover, the cheapest premium per model is: standard model 419.65 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 388.40 CHF (CONCORDIA), flexible model 409.40 CHF (Sympany), telemedicine 388.65 CHF (Sanitas).

### 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: Root is in region 2 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/root/adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Root (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/root/
- Premiums 2027 in Root (LU), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/root/adult/
- Premiums 2027 in Root (LU), adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/lu/root/child/
- Young adult: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/lu/root/adult/no-accident/deductible-1500/
- Deductible Premiums 2027 in Root (LU), adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Root (LU), adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Root (LU), adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Root (LU), adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Root (LU), adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/lu/root/adult/with-accident/deductible-300/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `root` with your municipality, `adult` with `child` or `young-adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1500` with `deductible-2500` for another deductible. Markdown version: add `.md`.