# Health insurance premiums 2027 in Ruswil (LU), for an adult aged 26 or over who wants a deductible of 1'000 CHF with accident cover

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

In [Ruswil](https://praemiencheck.onedoc.ch/en/lu/ruswil/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/) with a 1'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/with-accident/), the cheapest monthly basic insurance premium is **411.65 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 604.95 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 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 446.95 | 436.85 | 411.65 | 386.45 | 361.15 | 335.95 | +6.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 453.65 | 442.05 | 412.85 | 383.65 | 354.55 | 325.35 | +2.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 453.90 | 442.25 | 413.10 | 383.90 | 354.75 | 325.60 | −0.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 455.50 | 443.85 | 414.70 | 385.50 | 356.35 | 327.20 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 456.75 | 445.15 | 415.95 | 386.75 | 357.65 | 328.45 | 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 | 458.95 | 447.35 | 418.15 | 388.95 | — | 330.65 | +4.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 459.20 | 447.55 | 418.40 | 389.20 | 360.05 | 330.90 | +5.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 459.35 | 447.75 | 418.55 | 389.35 | 360.25 | 331.05 | +1.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 460.05 | 448.45 | 419.25 | 390.05 | 360.95 | 331.75 | +3.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 460.40 | 448.75 | 419.60 | 390.40 | 361.25 | 332.10 | +5.0 % |
| [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) | 463.15 | 451.55 | 422.35 | 393.15 | — | 334.85 | +4.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 464.35 | 452.75 | 423.55 | 394.35 | 365.25 | 336.05 | +3.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 466.15 | 454.55 | 425.35 | 396.15 | 367.05 | 337.85 | +7.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 467.65 | 456.05 | 426.85 | 397.65 | 368.55 | 339.35 | +4.0 % |
| [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 | 470.25 | 458.65 | 429.45 | 400.25 | 371.15 | 341.95 | +3.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 470.35 | 458.75 | 429.55 | 400.35 | 371.25 | 342.05 | +4.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 470.45 | 458.85 | 429.65 | 400.45 | 371.35 | 342.15 | +4.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 470.75 | 459.25 | 430.25 | 400.75 | 371.75 | 342.75 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 471.25 | 459.55 | 430.35 | 401.25 | 372.05 | 342.85 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 471.95 | 460.25 | 431.05 | 401.95 | 372.75 | 343.55 | +7.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 472.35 | 460.65 | 431.55 | 402.35 | 373.15 | 344.05 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 474.65 | 463.05 | 433.85 | 404.65 | 375.55 | 346.35 | +7.7 % |
| [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 | 475.65 | 464.05 | 434.85 | 405.65 | 376.55 | 347.35 | +2.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 475.65 | 464.05 | 434.85 | 405.65 | 376.55 | 347.35 | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 475.75 | 464.15 | 434.95 | 405.75 | 376.65 | 347.45 | +5.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 476.15 | 464.55 | 435.35 | 406.15 | 377.05 | 347.85 | +3.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 473.05 | 462.35 | 435.75 | 409.05 | 382.25 | 355.65 | +7.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 473.85 | 463.05 | 436.25 | 409.55 | 382.65 | 355.85 | +3.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 473.85 | 463.05 | 436.25 | 409.55 | 382.65 | 355.85 | +3.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 477.75 | 466.15 | 436.95 | 407.75 | 378.65 | 349.45 | +2.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 478.45 | 466.85 | 437.65 | 408.45 | 379.35 | 350.15 | +5.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 475.65 | 464.95 | 438.15 | 411.25 | 384.45 | 357.65 | +6.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 479.95 | 468.35 | 439.15 | 409.95 | — | 351.65 | +4.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 480.55 | 468.90 | 439.75 | 410.55 | 381.40 | 352.25 | +5.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 480.95 | 469.35 | 440.15 | 410.95 | 381.85 | 352.65 | +4.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 481.25 | 469.65 | 440.45 | 411.25 | 382.15 | 352.95 | +4.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 481.25 | 469.65 | 440.45 | 411.25 | 382.15 | 352.95 | +4.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 477.95 | 467.75 | 442.05 | 416.35 | 390.75 | 365.05 | +5.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 475.85 | 464.25 | 442.05 | 412.85 | 390.65 | 361.45 | +8.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 483.55 | 471.95 | 442.75 | 413.55 | 384.45 | 355.25 | +4.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 484.15 | 472.55 | 443.35 | 414.15 | — | 355.85 | +4.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 484.90 | 474.55 | 444.05 | 414.90 | 385.75 | 356.55 | +4.9 % |
| [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) | 484.75 | 473.25 | 444.25 | 414.75 | 385.75 | 356.75 | +4.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 485.65 | 474.05 | 444.85 | 415.65 | 386.55 | 357.35 | +7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 485.90 | 474.25 | 445.10 | 415.90 | 386.75 | 357.60 | +5.0 % |
| [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 | 486.65 | 475.05 | 445.85 | 416.65 | 387.55 | 358.35 | +2.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 487.75 | 476.05 | 446.95 | 417.75 | 388.55 | 359.45 | +2.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 488.75 | 477.15 | 447.95 | 418.75 | 389.65 | 380.45 | +5.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 489.35 | 477.75 | 448.55 | 419.35 | 390.25 | 361.05 | +4.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 489.35 | 477.75 | 448.55 | 419.35 | 390.25 | 361.05 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 484.05 | 472.35 | 448.85 | 419.65 | 384.85 | 355.65 | +2.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 484.55 | 474.45 | 449.05 | 423.65 | 398.25 | 364.15 | +4.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 491.15 | 479.55 | 450.35 | 421.15 | 392.05 | 362.85 | +7.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 491.15 | 479.55 | 450.35 | 421.15 | 392.05 | 362.85 | +7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 491.20 | 479.55 | 450.40 | 421.20 | 392.05 | 362.90 | +5.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 491.20 | 479.55 | 450.40 | 421.20 | 392.05 | 362.90 | +5.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 491.20 | 479.55 | 450.40 | 421.20 | 392.05 | 362.90 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 491.55 | 479.95 | 450.75 | 421.55 | 392.45 | 367.25 | +7.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 490.35 | 479.35 | 451.85 | 423.85 | 396.25 | 368.75 | +5.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 488.95 | 478.55 | 452.25 | 425.95 | 399.75 | 373.45 | +5.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 494.45 | 482.75 | 453.65 | 424.45 | 395.25 | 366.15 | +7.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 489.65 | 478.05 | 454.45 | 425.35 | 401.85 | 372.65 | +2.8 % |
| [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) | 495.95 | 484.45 | 455.45 | 425.95 | 396.95 | 367.95 | +4.6 % |
| [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 | 497.55 | 485.95 | 456.75 | 427.55 | 398.45 | 369.25 | +1.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 497.55 | 485.95 | 456.75 | 427.55 | 398.45 | 369.25 | 0.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 494.45 | 483.85 | 457.35 | 430.75 | 404.25 | 377.65 | +5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 492.45 | 480.85 | 457.35 | 428.15 | 393.35 | 364.15 | +2.8 % |
| [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 | 500.95 | 489.35 | 460.15 | 430.95 | — | 372.65 | +4.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 495.35 | 483.65 | 460.15 | 430.95 | 396.15 | 366.95 | +2.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 505.65 | 494.05 | 464.85 | 435.65 | 406.55 | 389.35 | +7.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 506.95 | 495.35 | 466.15 | 437.05 | 407.85 | 378.65 | +4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 511.05 | 499.45 | 470.25 | 441.05 | 411.95 | 382.75 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 511.05 | 499.45 | 470.25 | 441.05 | 411.95 | 382.75 | +5.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 510.15 | 499.85 | 474.10 | 443.20 | 412.30 | 386.55 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 515.35 | 508.65 | 474.55 | 445.35 | 416.15 | 387.05 | +7.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 515.45 | 503.85 | 474.65 | 445.45 | 416.35 | 387.15 | +3.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 513.95 | 503.45 | 476.45 | 449.95 | 422.95 | 395.95 | +4.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 517.45 | 505.75 | 476.65 | 447.45 | 418.25 | 389.15 | +6.0 % |
| [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) | 517.95 | 506.45 | 477.45 | 447.95 | 418.95 | 389.95 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 518.35 | 511.65 | 477.55 | 448.35 | 419.15 | 390.05 | +7.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 520.95 | 509.45 | 480.45 | 450.95 | 421.95 | 392.95 | +8.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 522.05 | 510.35 | 481.15 | 452.05 | 422.85 | 393.65 | +2.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 520.95 | 509.95 | 482.45 | 454.45 | 426.85 | 399.35 | +9.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 524.35 | 517.65 | 483.55 | 454.35 | 425.15 | 396.05 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 524.35 | 517.65 | 483.55 | 454.35 | 425.15 | 396.05 | +7.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 526.05 | 514.45 | 485.25 | 456.05 | 426.95 | 397.75 | +4.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 528.55 | 516.90 | 487.75 | 458.55 | 429.40 | 400.25 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 529.25 | 517.55 | 488.45 | 459.25 | 430.05 | 400.95 | +7.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 531.35 | 519.75 | 490.55 | 461.35 | 432.25 | 403.05 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 520.75 | 514.75 | 491.25 | 462.05 | 432.85 | 403.75 | +4.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 532.55 | 520.85 | 491.75 | 462.55 | 433.35 | 404.25 | +3.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 535.05 | 523.35 | 494.25 | 465.05 | 435.85 | 406.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 535.05 | 523.35 | 494.25 | 465.05 | 435.85 | 406.75 | +7.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 535.25 | 523.65 | 494.45 | 465.25 | 436.15 | 406.95 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 536.35 | 529.75 | 495.55 | 466.35 | 437.25 | 408.05 | +7.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 526.35 | 520.35 | 496.85 | 467.65 | 438.55 | 409.35 | +3.9 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 538.05 | 526.45 | 497.25 | 468.05 | 438.95 | 409.75 | +6.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 538.15 | 526.55 | 497.35 | 468.15 | 439.05 | 409.85 | +5.7 % |
| [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) | 539.15 | 527.65 | 498.65 | 469.15 | 440.15 | 411.15 | +8.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 537.25 | 526.40 | 499.30 | 472.20 | 439.70 | 412.60 | +1.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 539.25 | 527.65 | 500.25 | 472.25 | 444.25 | 416.25 | +4.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 541.25 | 529.65 | 500.45 | 471.25 | 442.15 | 412.95 | 0.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 542.85 | 531.25 | 502.05 | 472.85 | — | 414.55 | +4.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 543.85 | 532.25 | 503.05 | 473.85 | 444.75 | 415.55 | +5.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 546.25 | 534.65 | 505.45 | 476.25 | 447.15 | 417.95 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 547.25 | 535.55 | 506.35 | 477.25 | 448.05 | 418.85 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 552.45 | 540.75 | 511.65 | 482.45 | 453.25 | 424.15 | +7.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 554.65 | 543.15 | 514.15 | 484.65 | 455.65 | 426.65 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 557.55 | 545.95 | 516.75 | 487.65 | 458.45 | 429.25 | +4.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 558.95 | 547.35 | 518.15 | 488.95 | 459.85 | 431.05 | +4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 559.25 | 547.65 | 518.45 | 489.25 | 460.15 | 430.95 | +7.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 560.25 | 548.65 | 519.45 | 490.25 | 461.15 | 431.95 | +2.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 564.15 | 552.65 | 523.65 | 494.15 | 465.15 | 436.15 | +8.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 566.55 | 554.85 | 525.75 | 496.55 | 467.35 | 438.25 | +2.7 % |
| [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) | 567.35 | 555.85 | 526.85 | 497.35 | 468.35 | 439.35 | +8.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 569.85 | 558.15 | 529.05 | 499.85 | 470.65 | 441.55 | +7.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 569.05 | 558.05 | 530.55 | 502.55 | 474.95 | 447.45 | +8.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 575.65 | 563.95 | 534.85 | 505.65 | 476.45 | 447.35 | +7.2 % |
| [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) | 586.95 | 575.45 | 546.45 | 516.95 | 487.95 | 458.95 | +8.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 590.45 | 583.75 | 549.65 | 520.45 | 491.25 | 462.15 | +7.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 596.45 | 589.75 | 555.65 | 526.45 | 497.25 | 468.15 | +7.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 602.95 | 591.45 | 562.45 | 532.95 | 503.95 | 474.95 | +8.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 645.45 | 633.95 | 604.95 | 575.45 | 546.45 | 517.45 | +8.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Ruswil for an adult aged 26 or over with a deductible of 1'000 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/with-accident/), the cheapest offer in [Ruswil](https://praemiencheck.onedoc.ch/en/lu/ruswil/) is Agrisano (AGRIsmart) at 411.65 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 444.05 CHF a month.

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

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/) with a deductible of 1'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/with-accident/), monthly premiums run from 411.65 CHF (Agrisano, AGRIsmart) to 604.95 CHF (Groupe Mutuel – Mutuel, Standard model): 123 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: 407.65 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 446.95 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/with-accident/deductible-300/) to 335.95 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/with-accident/deductible-2500/): 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 Ruswil 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 1'000 CHF and with accident cover, the cheapest premium per model is: standard model 444.05 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 412.85 CHF (CONCORDIA), flexible model 433.85 CHF (Sympany), telemedicine 411.65 CHF (Agrisano).

### 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 416.40 CHF at Agrisano (AGRIsmart) gives 411.65 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: Ruswil 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/ruswil/adult/with-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/lu/ruswil/adult/with-accident/deductible-300/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `ruswil` with your municipality, `adult` with `child` or `young-adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.