# Health insurance premiums 2027 in Schenkon (LU), for a child aged 0 to 18, deductible of 500 CHF, without accident cover

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

In [Schenkon](https://praemiencheck.onedoc.ch/en/lu/schenkon/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/schenkon/child/) with a 500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/schenkon/child/no-accident/), the cheapest monthly basic insurance premium is **70.40 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 114.10 CHF with sana24 (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 94.40 | — | 84.80 | 80.10 | 75.20 | 70.40 | 65.60 | +8.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 98.80 | 93.40 | 88.00 | 82.50 | 77.10 | 71.80 | 66.30 | New tariff 2027 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 99.20 | — | — | — | — | 72.10 | — | +1.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 101.40 | 96.00 | 90.50 | 84.90 | 79.40 | 73.90 | 68.40 | +3.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 101.65 | 96.20 | 90.70 | 85.20 | 79.75 | 74.25 | 68.75 | +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 R1 | 101.50 | — | — | — | — | 74.40 | — | +4.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 99.80 | — | 89.70 | 84.60 | 79.60 | 74.50 | 69.40 | +8.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 100.40 | — | 90.20 | 85.10 | 80.10 | 74.90 | 69.80 | +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 | 102.75 | 97.25 | 91.80 | 86.30 | 80.80 | 75.35 | 69.85 | +6.3 % |
| [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 | 102.70 | — | — | — | — | 75.70 | — | +3.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 102.70 | — | — | — | — | 75.70 | — | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 102.90 | 97.50 | 92.10 | 86.60 | 81.20 | 75.80 | 70.40 | +7.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 103.80 | 98.30 | 92.80 | 87.30 | 81.80 | 76.30 | 70.70 | +4.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 103.50 | 98.10 | 92.70 | 87.20 | 81.80 | 76.40 | 70.90 | +7.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 102.50 | 97.50 | 92.60 | 87.50 | 82.50 | 77.60 | 72.50 | +4.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 102.50 | 97.50 | 92.60 | 87.50 | 82.50 | 77.60 | 72.50 | +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 R3 | 105.00 | — | — | — | — | 78.00 | — | +3.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 105.80 | 100.40 | 95.00 | 89.50 | 84.10 | 78.70 | 73.20 | +6.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 106.70 | 101.30 | 95.80 | 90.20 | 84.70 | 79.20 | 73.70 | +3.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 104.80 | 100.10 | 95.40 | 90.70 | 85.90 | 79.40 | — | +6.0 % |
| [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 R4 | 107.40 | — | — | — | — | 80.30 | — | +1.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 107.40 | — | — | — | — | 80.30 | — | 0.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 107.80 | 102.40 | 97.00 | 91.50 | 86.10 | 80.70 | — | −18.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 108.15 | 102.70 | 97.20 | 91.70 | 86.25 | 80.75 | 75.25 | +6.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 109.20 | — | 98.00 | 92.50 | 87.00 | 81.40 | 75.90 | +7.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 109.50 | 104.10 | 98.70 | 93.30 | 87.80 | 82.40 | — | +5.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 110.40 | 105.00 | 99.70 | 94.20 | 88.80 | 83.40 | 77.90 | +6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 110.40 | 105.00 | 99.70 | 94.20 | 88.80 | 83.40 | 77.90 | +6.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.40 | 106.00 | 100.60 | 95.10 | 89.70 | 84.30 | 78.80 | +3.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 111.80 | 106.40 | 100.90 | 95.40 | 90.00 | 84.60 | — | −17.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 108.90 | 104.10 | 99.30 | 94.40 | 89.90 | 84.80 | 80.00 | +6.9 % |
| [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) | 113.70 | 108.30 | 102.90 | 97.40 | 92.00 | 86.60 | 81.10 | +1.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 113.70 | 108.30 | 102.90 | 97.40 | 92.00 | 86.60 | 81.10 | +1.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 111.40 | 106.50 | 101.60 | 96.60 | 91.90 | 86.80 | 81.80 | +7.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 114.40 | 109.00 | 103.60 | 98.10 | 92.70 | 87.30 | 81.80 | +4.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 112.60 | 107.70 | 102.70 | 97.60 | 92.90 | 87.70 | 82.70 | +7.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 114.90 | 109.60 | 104.20 | 98.70 | 93.30 | 87.90 | 82.40 | +1.5 % |
| [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) | 115.70 | 110.30 | 104.90 | 99.40 | 94.00 | 88.60 | 83.10 | +4.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 115.70 | 110.30 | 104.90 | 99.40 | 94.00 | 88.60 | 83.10 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 115.80 | 110.40 | 104.95 | 99.50 | 94.10 | 88.70 | 83.25 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.20 | 110.80 | 105.40 | 99.90 | 94.50 | 89.10 | 83.70 | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 116.90 | 111.40 | 106.00 | 100.50 | 95.10 | 89.60 | 84.20 | +3.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 116.80 | 111.40 | 105.90 | 100.50 | 95.00 | 89.60 | 84.10 | +9.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.80 | — | — | — | — | 89.70 | — | 0.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 117.05 | 111.65 | 106.20 | 100.75 | 95.35 | 89.90 | 84.45 | +6.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 117.05 | 111.65 | 106.20 | 100.75 | 95.35 | 89.90 | 84.45 | +6.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 117.05 | 111.65 | 106.20 | 100.75 | 95.35 | 89.90 | 84.45 | +6.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 117.05 | 111.65 | 106.20 | 100.75 | 95.35 | 89.90 | 84.45 | +6.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 117.05 | 111.65 | 106.20 | 100.75 | 95.35 | 89.90 | 84.45 | New tariff 2027 |
| [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) | 117.30 | 111.90 | 106.50 | 101.00 | 95.60 | 90.20 | 84.70 | +10.5 % |
| [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) | 117.50 | 112.10 | 106.70 | 101.20 | 95.80 | 90.40 | 84.90 | +1.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 117.60 | 112.20 | 106.70 | 101.30 | 95.80 | 90.40 | 84.90 | +9.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 117.90 | 112.50 | 107.10 | 101.70 | 96.30 | 90.90 | 85.40 | +10.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 118.60 | 113.10 | 107.60 | 102.00 | 96.50 | 91.10 | 85.50 | +3.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 118.25 | 112.85 | 107.40 | 101.95 | 96.55 | 91.10 | 85.65 | +5.7 % |
| [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) | 118.60 | 113.20 | 107.80 | 102.30 | 96.90 | 91.50 | 86.00 | +10.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 118.60 | 113.20 | 107.80 | 102.30 | 96.90 | 91.50 | 86.00 | +10.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 119.00 | 113.50 | 108.10 | 102.60 | 97.20 | 91.70 | 86.30 | +9.4 % |
| [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) | 118.90 | 113.50 | 108.10 | 102.60 | 97.20 | 91.80 | 86.30 | +4.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.30 | 113.90 | 108.50 | 103.00 | 97.60 | 92.20 | — | −16.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 119.80 | 114.40 | 108.90 | 103.50 | 98.00 | 92.60 | 87.10 | +3.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.40 | 115.00 | 109.60 | 104.20 | 98.70 | 93.30 | — | +5.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.65 | 115.25 | 109.80 | 104.35 | 98.95 | 93.50 | 88.05 | +5.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 121.75 | 116.90 | 110.80 | 104.70 | 98.60 | 93.75 | 87.65 | +3.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 117.10 | 111.60 | 108.60 | 103.10 | 100.10 | 94.60 | 89.20 | +10.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 123.80 | 118.30 | 112.80 | 107.30 | 102.10 | 96.40 | 90.90 | +7.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.00 | 121.60 | 116.20 | 110.70 | 105.30 | 99.90 | 94.50 | +1.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.25 | 123.10 | 116.70 | 111.60 | 105.15 | 100.00 | 93.60 | +3.7 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.60 | 122.20 | 119.10 | 111.20 | 105.70 | 100.30 | 94.70 | +7.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.50 | 123.10 | 117.70 | 112.20 | 106.90 | 101.50 | 96.00 | +4.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 130.30 | 124.90 | 119.50 | 114.00 | 108.60 | 103.20 | 97.80 | +10.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 131.50 | 126.00 | 120.60 | 115.10 | 109.70 | 104.20 | 98.80 | +8.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 132.70 | 127.20 | 121.80 | 116.30 | 110.90 | 105.40 | 99.90 | +3.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 132.80 | 127.30 | 121.90 | 116.40 | 111.00 | 105.50 | 100.10 | +3.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 133.80 | 128.40 | 122.90 | 117.50 | 112.00 | 106.60 | 101.10 | +9.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 133.80 | 128.40 | 122.90 | 117.50 | 112.00 | 106.60 | 101.10 | +9.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 133.80 | 128.40 | 122.90 | 117.50 | 112.00 | 106.60 | 101.10 | +9.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.10 | 128.70 | 123.20 | 117.80 | 112.30 | 106.90 | 101.40 | +3.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.20 | 129.70 | 124.30 | 118.80 | 113.40 | 107.90 | 102.40 | +9.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 135.70 | 130.20 | 124.80 | 119.30 | 113.90 | 108.40 | 103.00 | +8.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 139.80 | 134.30 | 128.90 | 123.40 | 118.00 | 112.50 | 107.10 | +8.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 139.90 | 134.50 | 129.00 | 123.60 | 118.10 | 112.70 | 107.20 | +8.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 139.90 | 134.50 | 129.00 | 123.60 | 118.10 | 112.70 | 107.20 | +8.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 139.90 | 134.50 | 129.00 | 123.60 | 118.10 | 112.70 | 107.20 | +8.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 139.90 | 134.50 | 129.00 | 123.60 | 118.10 | 112.70 | 107.20 | +8.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 141.30 | 135.90 | 130.40 | 125.00 | 119.50 | 114.10 | 108.60 | +8.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 97.30 | — | 86.50 | — | 75.70 | — | 64.80 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 97.70 | — | 89.10 | — | 80.40 | — | 71.70 | — |
| [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) | 99.00 | — | 90.20 | — | 81.50 | — | 72.60 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 99.60 | — | 88.80 | — | 77.90 | — | 67.00 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 99.60 | — | 88.80 | — | 77.90 | — | 67.00 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 101.20 | — | 90.40 | — | 79.60 | — | 68.70 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 101.50 | 96.20 | 90.80 | 85.30 | 79.90 | — | 69.00 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 103.90 | — | 94.70 | — | 85.50 | — | 76.20 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 104.40 | 99.00 | 93.60 | 88.20 | 82.80 | — | 71.90 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 105.10 | — | 95.80 | — | 86.50 | — | 77.10 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 107.30 | 101.90 | 96.50 | 91.00 | 85.60 | — | 74.80 | — |
| [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 | 110.00 | — | 100.30 | — | 90.50 | — | 80.70 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 110.10 | 104.80 | 99.40 | 93.90 | 88.50 | — | 77.60 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.50 | — | 99.70 | — | 88.90 | — | 78.00 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.40 | 110.00 | 104.60 | 99.10 | 93.70 | — | 82.80 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 120.80 | — | — | 104.50 | — | — | 88.20 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 120.90 | — | 117.30 | — | 109.80 | — | 98.90 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 121.10 | 115.60 | 110.10 | — | 99.00 | — | 87.90 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 121.90 | 116.40 | 110.90 | — | 99.80 | — | 88.60 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.20 | — | 111.40 | — | 100.50 | — | 89.70 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 124.50 | 119.00 | 113.50 | — | 102.40 | — | 91.30 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 125.20 | 119.70 | 114.20 | — | 103.10 | — | 92.00 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 126.20 | — | 120.60 | — | 109.80 | — | 98.90 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 126.60 | — | — | 110.30 | — | — | 94.10 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 129.50 | — | 120.60 | — | 109.80 | — | 98.90 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 130.90 | — | 120.00 | — | 109.10 | — | 98.40 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.20 | — | — | 114.90 | — | — | 98.60 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.50 | — | 120.60 | — | 109.80 | — | 98.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 131.50 | — | 120.60 | — | 109.80 | — | 98.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 131.50 | — | 120.60 | — | 109.80 | — | 98.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 131.50 | — | 120.60 | — | 109.80 | — | 98.90 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 131.60 | — | 120.80 | — | 109.90 | — | 99.10 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 134.60 | — | 123.70 | — | 113.00 | — | 102.10 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 136.10 | 130.60 | 125.10 | — | 114.00 | — | 102.90 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 136.10 | — | 125.30 | — | 114.40 | — | 103.60 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 136.10 | — | 125.30 | — | 114.40 | — | 103.60 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 151.30 | — | 140.40 | — | 129.60 | — | 118.70 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Schenkon for a child aged 0 to 18 with a deductible of 500 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/lu/schenkon/child/no-accident/), the cheapest offer in [Schenkon](https://praemiencheck.onedoc.ch/en/lu/schenkon/) is Agrisano (AGRIsmart) at 70.40 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 80.75 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/schenkon/child/) with a deductible of 500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/schenkon/child/no-accident/), monthly premiums run from 70.40 CHF (Agrisano, AGRIsmart) to 114.10 CHF (sana24, 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: 107.50 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 94.40 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/schenkon/child/no-accident/deductible-0/) to 65.60 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/schenkon/child/no-accident/deductible-600/): 28.80 CHF less a month, 345.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 384 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

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

For a child aged 0 to 18 with a deductible of 500 CHF and without accident cover, the cheapest premium per model is: standard model 80.75 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 73.90 CHF (CONCORDIA), flexible model 75.70 CHF (Helsana), telemedicine 70.40 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 14 of the 25 insurers present in Schenkon file a reduced premium from a certain number of children insured with them, at a 500 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 70.40 CHF | 26.20 CHF from the 3rd child |
| Visana | Managed Care | 89.60 CHF | 30.50 CHF from the 3rd child |
| Galenos | Managed Care | 89.60 CHF | 30.60 CHF from the 3rd child |
| sana24 | VIVA health plan | 94.60 CHF | 30.80 CHF from the 3rd child |
| CONCORDIA | HMO | 73.90 CHF | 32.30 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 77.60 CHF | 38.80 CHF from the 3rd child |
| Aquilana | SMARTMED | 79.40 CHF | 39.70 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 74.25 CHF | 51.25 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 86.60 CHF | 65.00 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 87.30 CHF | 65.50 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 90.20 CHF | 67.70 CHF from the 5th child |
| Assura | MediTel | 71.80 CHF | 70.40 CHF from the 4th child, 68.90 CHF from the 5th child |
| EGK | EGK-TelCare | 80.70 CHF | 71.70 CHF from the 3rd child |
| SLKK | SmartMed | 84.80 CHF | 73.90 CHF from the 3rd child |

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

### 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: Schenkon 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/schenkon/child/no-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/lu/schenkon/child/no-accident/deductible-0/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `schenkon` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-500` with `deductible-600` for another deductible. Markdown version: add `.md`.