# Health insurance premiums 2027 in Ruswil (LU), for a young adult aged 19 to 25 who wants a deductible of 1'000 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · 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 [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/) with a 1'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/), the cheapest monthly basic insurance premium is **289.65 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 428.95 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 | 324.95 | 314.85 | 289.65 | 264.45 | 239.15 | 214.05 | +6.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 334.55 | 322.95 | 293.75 | 264.55 | 235.45 | 206.25 | +1.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 335.45 | 323.85 | 294.65 | 265.45 | 236.35 | 207.15 | +4.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 337.35 | 325.75 | 296.55 | 267.35 | 238.25 | 209.05 | +4.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 337.55 | 325.90 | 296.70 | 267.55 | 239.95 | 209.20 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 338.25 | 326.60 | 297.45 | 268.25 | 239.10 | 209.95 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 338.25 | 326.60 | 297.45 | 268.25 | 239.10 | 209.95 | +5.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 339.05 | 327.45 | 298.25 | 269.05 | 239.95 | 210.75 | +7.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 341.20 | 329.55 | 300.60 | 273.50 | 246.40 | 219.45 | +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 | 341.85 | 330.20 | 301.05 | 271.85 | 242.70 | 213.55 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 341.85 | 330.20 | 301.05 | 271.85 | 242.70 | 213.55 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 341.85 | 330.20 | 301.05 | 271.85 | 242.70 | 213.55 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 341.85 | 330.20 | 301.05 | 271.85 | 242.70 | 213.55 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 341.85 | 330.20 | 301.05 | 271.85 | 242.70 | 213.55 | +5.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 342.45 | 330.85 | 301.65 | 272.45 | 243.35 | 214.15 | +1.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 343.25 | 331.55 | 302.35 | 273.25 | 244.05 | 214.85 | +8.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 343.95 | 332.45 | 303.45 | 273.95 | 244.95 | 215.95 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 344.95 | 333.35 | 304.15 | 274.95 | 245.85 | 216.65 | +4.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 345.25 | 333.55 | 304.45 | 275.25 | 246.05 | 216.95 | +8.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 346.85 | 335.25 | 306.05 | 276.85 | 247.75 | 218.55 | +4.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 344.05 | 333.35 | 306.75 | 279.95 | 253.25 | 226.65 | +7.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 345.95 | 335.15 | 308.45 | 281.55 | 254.65 | 227.95 | +6.2 % |
| [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) | 349.95 | 338.45 | 309.45 | 279.95 | 250.95 | 221.95 | +4.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 349.95 | 338.45 | 309.45 | 279.95 | 250.95 | 221.95 | +4.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 352.45 | 340.85 | 311.65 | 282.45 | 253.35 | 224.15 | +1.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 352.55 | 340.90 | 311.75 | 282.55 | 253.40 | 224.25 | +5.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 349.45 | 338.65 | 311.85 | 285.05 | 258.25 | 231.45 | +3.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 349.45 | 338.65 | 311.85 | 285.05 | 258.25 | 231.45 | +3.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 353.25 | 341.65 | 312.45 | 283.25 | 254.15 | 224.95 | +8.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 355.35 | 343.75 | 314.55 | 285.35 | 256.25 | 227.05 | 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 | 357.35 | 345.65 | 316.45 | 287.35 | 258.15 | 228.95 | +7.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 357.35 | 345.65 | 316.45 | 287.35 | 258.15 | 228.95 | +7.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 357.55 | 345.95 | 316.75 | 287.55 | 258.45 | 232.25 | +7.5 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 359.40 | 347.75 | 318.55 | 289.80 | 261.30 | 232.90 | +5.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 360.65 | 354.05 | 319.85 | 290.65 | 261.55 | 232.35 | +8.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 361.55 | 354.85 | 320.75 | 291.55 | 262.35 | 233.25 | +8.1 % |
| [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) | 361.95 | 350.45 | 321.45 | 291.95 | 262.95 | 233.95 | +4.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 357.35 | 347.35 | 321.85 | 296.55 | 271.15 | 240.05 | +5.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 363.55 | 351.95 | 322.75 | 293.55 | 264.45 | 235.25 | +8.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 365.35 | 353.75 | 324.55 | 295.35 | 266.25 | 250.45 | +6.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 366.45 | 354.85 | 325.65 | 296.45 | 267.35 | 238.15 | +1.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 370.15 | 358.55 | 329.35 | 300.15 | 271.05 | 241.85 | +5.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 371.35 | 359.75 | 330.55 | 301.35 | — | 243.05 | +4.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 371.95 | 360.35 | 331.15 | 301.95 | 272.85 | 243.65 | +8.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 371.95 | 360.35 | 331.15 | 301.95 | 272.85 | 243.65 | +8.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 372.15 | 360.55 | 331.35 | 302.15 | 273.05 | 243.85 | +3.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 372.15 | 360.55 | 331.35 | 302.15 | 273.05 | 243.85 | +3.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 372.35 | 360.75 | 331.55 | 302.35 | 273.25 | 244.05 | +5.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 373.95 | 362.35 | 333.15 | 304.05 | 274.85 | 245.65 | +5.1 % |
| [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) | 374.45 | 362.85 | 333.65 | 304.45 | — | 246.15 | +4.2 % |
| [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 R1 | 375.25 | 363.65 | 334.45 | 305.25 | 276.15 | 246.95 | +4.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 375.15 | 363.65 | 334.65 | 305.15 | 276.15 | 247.15 | +8.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 376.45 | 364.75 | 335.65 | 306.45 | 277.25 | 248.15 | +6.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 376.55 | 364.85 | 335.75 | 306.55 | 277.35 | 248.25 | +2.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 377.45 | 365.85 | 336.65 | 307.45 | 278.35 | 249.15 | +4.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 378.05 | 366.45 | 337.25 | 308.05 | 278.95 | 250.45 | +10.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 378.25 | 366.65 | 337.45 | 308.25 | 279.15 | 249.95 | +8.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 378.75 | 367.15 | 337.95 | 308.75 | 279.65 | 250.45 | +11.2 % |
| [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 R2 | 379.55 | 367.95 | 338.75 | 309.55 | 280.45 | 251.25 | +2.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 379.55 | 367.95 | 338.75 | 309.55 | 280.45 | 251.25 | +5.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 380.15 | 368.55 | 339.35 | 310.15 | 281.05 | 251.85 | +3.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 380.75 | 369.15 | 339.95 | 310.75 | 281.65 | 252.45 | +5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 376.75 | 365.05 | 340.15 | 310.95 | 277.55 | 248.35 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 382.85 | 371.15 | 341.95 | 312.85 | 283.65 | 254.45 | +2.8 % |
| [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) | 383.95 | 372.45 | 343.45 | 313.95 | 284.95 | 255.95 | +8.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 386.85 | 375.25 | 346.05 | 316.85 | — | 258.55 | +4.2 % |
| [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 | 388.35 | 376.75 | 347.55 | 318.35 | 289.25 | 260.05 | +2.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 388.45 | 376.95 | 347.95 | 318.45 | 289.45 | 260.45 | +8.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 383.05 | 371.45 | 348.65 | 319.45 | 283.95 | 254.75 | +2.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 389.95 | 378.35 | 349.15 | 319.95 | — | 261.65 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 390.95 | 384.35 | 350.15 | 320.95 | 291.85 | 262.65 | +8.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 385.65 | 373.95 | 350.45 | 321.25 | 297.75 | 268.55 | +8.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 391.35 | 384.75 | 350.55 | 321.35 | 292.25 | 263.05 | +8.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 392.05 | 380.45 | 351.25 | 322.05 | 292.95 | 263.75 | +1.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 387.35 | 379.85 | 354.95 | 325.75 | 305.15 | 275.95 | +5.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 391.05 | 380.85 | 355.15 | 329.45 | 303.85 | 278.15 | +5.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 396.05 | 384.55 | 355.55 | 326.05 | 297.05 | 268.05 | +4.7 % |
| [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 R4 | 397.05 | 385.45 | 356.25 | 327.05 | 297.95 | 268.75 | +1.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 397.05 | 385.45 | 356.25 | 327.05 | 297.95 | 268.75 | 0.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 397.55 | 385.85 | 356.65 | 327.55 | 298.35 | 269.15 | +7.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 397.75 | 386.15 | 356.95 | 327.75 | 298.65 | 269.45 | +5.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 397.75 | 386.15 | 356.95 | 327.75 | 298.65 | 269.45 | +5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 393.65 | 386.25 | 357.05 | 327.95 | 294.55 | 265.35 | +2.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 398.25 | 386.65 | 357.45 | 328.25 | 299.15 | 269.95 | +3.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 389.45 | 380.45 | 357.95 | 335.45 | 312.45 | 289.95 | +4.4 % |
| [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) | 399.45 | 387.95 | 358.95 | 329.45 | 300.45 | 271.45 | +8.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 401.15 | 389.45 | 360.35 | 331.15 | 301.95 | 272.85 | +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 | 402.35 | 390.75 | 361.55 | 332.35 | — | 274.05 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 403.55 | 396.95 | 362.75 | 333.55 | 304.45 | 275.25 | +8.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 400.05 | 389.65 | 363.35 | 337.05 | 310.85 | 284.65 | +6.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 404.55 | 394.05 | 367.45 | 340.85 | 314.35 | 287.85 | +6.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 408.25 | 396.55 | 367.45 | 338.25 | 309.05 | 279.95 | +2.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 408.75 | 397.15 | 368.25 | 338.75 | 314.75 | 291.75 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 411.45 | 399.85 | 370.65 | 341.55 | 312.35 | 283.15 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 412.05 | 405.35 | 371.15 | 342.05 | 312.85 | 283.65 | +8.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 412.45 | 400.75 | 371.55 | 342.45 | 313.25 | 284.05 | +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) | 412.55 | 401.05 | 372.05 | 342.55 | 313.55 | 284.55 | +8.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 413.75 | 402.15 | 372.95 | 343.75 | 314.65 | 285.45 | +7.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 414.95 | 403.45 | 374.45 | 344.95 | 315.95 | 286.95 | +8.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 416.25 | 409.55 | 375.35 | 346.25 | 317.05 | 287.85 | +8.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 417.25 | 405.75 | 376.75 | 347.25 | 318.25 | 289.25 | +8.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 418.85 | 407.25 | 378.05 | 348.85 | 319.75 | 290.55 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 419.05 | 407.45 | 378.25 | 349.05 | 319.95 | 290.75 | +2.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 414.85 | 407.45 | 378.25 | 349.05 | 319.95 | 290.75 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 410.65 | 403.15 | 378.25 | 349.05 | 319.95 | 290.75 | +7.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 424.65 | 416.05 | 386.00 | 355.95 | 325.90 | 300.10 | +2.3 % |
| [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) | 426.75 | 415.25 | 386.25 | 356.75 | 327.75 | 298.75 | +8.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 428.95 | 417.25 | 388.05 | 358.95 | 329.75 | 300.55 | +7.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 423.65 | 413.65 | 389.15 | 364.65 | 340.15 | 315.65 | +4.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 432.05 | 420.45 | 391.25 | 362.05 | 332.95 | 303.75 | 0.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 433.35 | 421.75 | 392.55 | 363.35 | — | 305.05 | +4.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 433.65 | 421.95 | 392.85 | 363.65 | 334.45 | 305.35 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 433.65 | 421.95 | 392.85 | 363.65 | 334.45 | 305.35 | +7.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 436.95 | 425.45 | 396.45 | 366.95 | 337.95 | 308.95 | +8.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 443.55 | 431.85 | 402.65 | 373.55 | 344.35 | 315.15 | +7.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 445.05 | 433.45 | 404.25 | 375.05 | 345.95 | 316.75 | +6.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 447.25 | 438.20 | 406.55 | 379.45 | 352.35 | 320.70 | +2.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 447.75 | 436.15 | 406.95 | 377.75 | 348.65 | 319.45 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 447.75 | 436.15 | 406.95 | 377.75 | 348.65 | 319.45 | +7.4 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 456.65 | 445.05 | 415.85 | 386.65 | 357.55 | 328.35 | +6.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 461.95 | 450.25 | 421.05 | 391.95 | 362.75 | 333.55 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 466.65 | 454.95 | 425.75 | 396.65 | 367.45 | 338.25 | +7.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 469.45 | 457.95 | 428.95 | 399.45 | 370.45 | 341.45 | +8.8 % |

\* insurer’s default model

## Frequently asked questions

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

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/), the cheapest offer in [Ruswil](https://praemiencheck.onedoc.ch/en/lu/ruswil/) is Agrisano (AGRIsmart) at 289.65 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 311.75 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/) with a deductible of 1'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/), monthly premiums run from 289.65 CHF (Agrisano, AGRIsmart) to 428.95 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: 271.65 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 324.95 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/deductible-300/) to 214.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/deductible-2500/): 110.90 CHF less a month, 1'330.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'779 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Ruswil 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 311.75 CHF (Sanitas), family doctor / HMO 293.75 CHF (CONCORDIA), flexible model 301.05 CHF (Sanitas), telemedicine 289.65 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 294.40 CHF at Agrisano (AGRIsmart) gives 289.65 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/young-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), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/
- Premiums 2027 in Ruswil (LU), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/lu/ruswil/child/
- Adult: https://praemiencheck.onedoc.ch/en/lu/ruswil/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2027 in Ruswil (LU), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Ruswil (LU), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Ruswil (LU), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Ruswil (LU), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Ruswil (LU), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/ruswil/young-adult/with-accident/deductible-2500/

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