# Health insurance premiums 2026 in Schwarzenberg (LU), for an adult aged 26 or over without accident cover

In 2026, for an adult aged 26 or over in Schwarzenberg, without accident cover, the cheapest health insurance premium is:

- **388.45 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-300/) (Agrisano, AGRIsmart)
- **274.30 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-2500/) (Krankenkasse Luzerner Hinterland, Telemedicine)

## Without accident cover: from 274.30 to 548.95 CHF a month depending on the deductible and the model

123 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **388.45 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 548.95 CHF with Groupe Mutuel – Mutuel (Standard model).

Lowest premium:
- 300 CHF: 388.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-300/
- 500 CHF: 378.95 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-500/
- 1'000 CHF: 355.15 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-1000/
- 1'500 CHF: 329.15 CHF (Krankenkasse Luzerner Hinterland, Telemedicine) — https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-1500/
- 2'000 CHF: 301.75 CHF (Krankenkasse Luzerner Hinterland, Telemedicine) — https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-2000/
- 2'500 CHF: 274.30 CHF (Krankenkasse Luzerner Hinterland, Telemedicine) — https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 388.45 | 378.95 | 355.15 | 331.25 | 307.45 | 283.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 394.70 | 383.90 | 356.75 | 329.55 | 302.45 | 275.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 394.85 | 384.05 | 356.85 | 329.75 | — | 275.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 394.95 | 384.00 | 356.55 | 329.15 | 301.75 | 274.30 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 395.95 | 385.15 | 357.95 | 330.85 | 303.75 | 276.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 398.65 | 387.75 | 366.85 | 339.65 | 318.75 | 291.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 399.20 | 388.25 | 360.80 | 333.40 | 306.00 | 278.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 400.45 | 389.65 | 362.55 | 335.35 | 308.35 | 281.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 400.45 | 389.65 | 362.55 | 335.35 | 308.35 | 281.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 400.45 | 389.65 | 362.55 | 335.35 | 308.35 | 281.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 400.45 | 389.65 | 362.55 | 335.35 | 308.35 | 281.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 401.65 | 390.85 | 368.55 | 341.45 | 309.45 | 282.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 402.75 | 391.95 | 364.75 | 337.65 | 310.55 | 283.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 404.25 | 393.45 | 366.35 | 339.15 | 312.15 | 284.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 405.05 | 394.25 | 367.15 | 339.95 | 312.95 | 289.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 405.45 | 394.65 | 367.55 | 340.35 | — | 286.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 406.15 | 395.25 | 367.65 | 340.05 | 312.55 | 284.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 406.55 | 395.65 | 373.45 | 346.25 | 319.15 | 292.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 406.65 | 395.85 | 368.65 | 341.55 | 314.45 | 287.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 407.45 | 396.65 | 376.95 | 349.75 | 322.65 | 311.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 408.65 | 397.85 | 370.65 | 343.45 | 316.35 | 289.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 408.95 | 398.15 | 375.85 | 348.75 | 316.75 | 289.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 409.05 | 398.95 | 373.95 | 348.95 | 323.85 | 298.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 409.85 | 399.05 | 371.95 | 344.75 | 317.75 | 290.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 410.45 | 399.75 | 372.75 | 345.35 | 318.35 | 291.35 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 411.05 | 401.45 | 377.25 | 353.15 | 329.05 | 304.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 411.35 | 400.55 | 378.25 | 351.15 | 319.15 | 292.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 411.75 | 400.85 | 373.55 | 346.25 | 319.05 | 291.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 411.95 | 401.05 | 373.75 | 346.55 | 319.25 | 292.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 412.45 | 401.65 | 374.45 | 347.35 | — | 293.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 412.95 | 402.05 | 374.75 | 347.55 | 320.25 | 293.05 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 413.05 | 402.35 | 375.15 | 348.05 | 320.95 | 293.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 413.05 | 402.35 | 375.15 | 348.05 | 320.95 | 293.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 413.05 | 402.05 | 374.25 | 346.55 | 318.85 | 291.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 413.05 | 402.05 | 374.25 | 346.55 | 318.85 | 291.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 413.15 | 402.35 | 375.25 | 348.05 | 320.95 | 293.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 413.45 | 402.45 | 374.85 | 347.25 | 319.75 | 292.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 413.55 | 402.75 | 375.65 | 348.45 | 321.45 | 294.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 414.35 | 404.95 | 381.25 | 357.75 | 334.15 | 303.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 415.95 | 405.15 | 378.05 | 350.85 | — | 296.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 415.95 | 405.75 | 380.25 | 354.85 | 329.25 | 303.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 417.25 | 406.35 | 379.15 | 351.85 | 324.65 | 297.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 417.70 | 406.90 | 379.75 | 352.55 | 325.45 | 298.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 419.25 | 408.45 | 381.35 | 354.15 | 327.05 | 299.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 419.25 | 408.45 | 381.35 | 354.15 | 327.05 | 299.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 420.45 | 410.65 | 385.95 | 361.25 | 336.65 | 311.95 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 420.50 | 410.70 | 382.10 | 354.70 | 327.25 | 299.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 420.55 | 409.75 | 382.65 | 355.45 | 328.35 | 301.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 421.05 | 410.25 | 382.95 | 355.65 | 328.45 | 301.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 421.55 | 410.75 | 383.65 | 356.45 | 329.45 | 313.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 422.30 | 411.50 | 384.35 | 357.15 | 330.05 | 302.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 422.30 | 411.50 | 384.35 | 357.15 | 330.05 | 302.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 422.45 | 411.45 | 383.65 | 355.95 | 328.35 | 300.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 422.45 | 411.65 | 384.45 | 357.25 | 330.15 | 302.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 422.65 | 411.95 | 384.95 | 357.55 | 330.55 | 303.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 422.65 | 412.45 | 386.85 | 360.85 | 335.15 | 309.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 423.55 | 412.75 | 385.55 | 358.45 | 331.35 | 304.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 423.55 | 412.75 | 385.55 | 358.45 | 331.35 | 304.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 423.55 | 412.75 | 385.55 | 358.45 | 331.35 | 304.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 425.25 | 415.25 | 390.35 | 365.35 | 340.45 | 315.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 425.55 | 414.65 | 387.35 | 360.05 | 332.85 | 305.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 426.45 | 415.65 | 388.45 | 361.35 | 334.25 | 307.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 427.85 | 416.85 | 389.25 | 361.65 | 334.15 | 306.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 428.05 | 417.05 | 389.25 | 361.55 | 333.95 | 306.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 429.45 | 418.75 | 391.75 | 364.35 | 337.35 | 310.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 429.45 | 419.25 | 393.65 | 367.65 | 341.95 | 316.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 429.95 | 419.25 | 392.05 | 364.85 | — | 310.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 431.95 | 421.25 | 394.35 | 366.85 | 339.95 | 312.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 432.45 | 421.75 | 394.75 | 367.35 | 340.35 | 313.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 433.45 | 422.65 | 395.55 | 368.35 | 341.35 | 314.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 433.45 | 422.65 | 395.55 | 368.35 | 341.35 | 314.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 433.55 | 422.75 | 395.65 | 368.55 | 341.45 | 314.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 434.45 | 423.65 | 396.45 | 369.35 | 342.25 | 315.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 434.45 | 423.65 | 396.45 | 369.35 | 342.25 | 315.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 437.65 | 427.95 | 402.75 | 378.15 | 353.05 | 327.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 438.15 | 427.35 | 405.05 | 377.95 | 350.85 | 323.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 438.15 | 427.35 | 405.05 | 377.95 | 350.85 | 323.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 446.75 | 435.85 | 408.55 | 381.35 | 354.05 | 326.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 447.15 | 436.45 | 409.45 | 382.05 | 355.05 | 328.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 448.45 | 442.25 | 410.25 | 383.05 | 355.75 | 328.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 448.45 | 437.65 | 410.55 | 383.35 | 356.25 | 329.15 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 449.45 | 438.65 | 411.55 | 384.35 | 357.35 | 330.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 450.55 | 439.85 | 412.65 | 385.45 | 358.45 | 331.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 451.05 | 444.85 | 412.95 | 385.65 | 358.35 | 331.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 451.65 | 440.75 | 413.45 | 386.25 | 358.95 | 331.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 451.65 | 440.75 | 413.45 | 386.25 | 358.95 | 331.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 452.55 | 441.45 | 413.85 | 386.05 | 358.35 | 330.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 453.45 | 442.65 | 415.55 | 388.35 | 361.35 | 334.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 454.55 | 443.75 | 416.55 | 389.35 | 362.25 | 335.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 456.35 | 450.05 | 418.15 | 390.85 | 363.65 | 336.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 456.35 | 450.05 | 418.15 | 390.85 | 363.65 | 336.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 457.45 | 446.65 | 419.55 | 392.35 | 365.35 | 338.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 459.15 | 448.25 | 420.95 | 393.75 | 366.45 | 339.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 459.25 | 448.55 | 423.05 | 397.05 | 370.95 | 344.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 462.95 | 452.05 | 424.75 | 397.55 | 370.25 | 342.95 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 463.15 | 452.25 | 424.95 | 397.65 | 370.35 | 343.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 464.75 | 453.75 | 425.95 | 398.25 | 370.55 | 342.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 465.05 | 454.25 | 427.15 | 399.95 | — | 345.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 466.35 | 455.55 | 428.45 | 401.25 | 374.15 | 347.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 466.35 | 455.45 | 428.25 | 400.95 | 373.65 | 346.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 466.45 | 455.65 | 428.45 | 401.35 | 374.25 | 347.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 466.75 | 460.55 | 428.65 | 401.35 | 374.15 | 346.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 467.75 | 456.85 | 429.45 | 401.95 | 374.65 | 347.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 475.95 | 464.95 | 437.35 | 409.75 | 382.25 | 354.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 476.15 | 465.35 | 438.25 | 411.05 | 384.05 | 357.15 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 476.85 | 466.05 | 438.55 | 411.15 | 383.75 | 356.35 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 476.95 | 466.15 | 438.95 | 411.95 | 384.75 | 357.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 478.35 | 468.65 | 439.65 | 410.65 | 381.60 | 357.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 479.65 | 469.05 | 442.05 | 414.55 | 387.65 | 360.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 481.05 | 470.15 | 442.95 | 415.65 | 388.45 | 361.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 482.05 | 471.15 | 444.05 | 416.95 | 389.85 | 362.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 482.45 | 471.75 | 444.85 | 417.35 | 390.35 | 363.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 483.75 | 473.05 | 446.05 | 418.65 | 391.65 | 364.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 483.85 | 473.65 | 448.05 | 422.05 | 396.35 | 370.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 485.95 | 475.05 | 447.85 | 420.55 | 393.35 | 366.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 493.35 | 482.55 | 455.45 | 428.25 | 401.25 | 374.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 497.35 | 486.45 | 459.15 | 431.85 | 404.65 | 377.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 499.05 | 488.35 | 461.45 | 433.95 | 407.05 | 380.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 500.15 | 489.45 | 462.55 | 435.05 | 408.15 | 381.15 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 503.80 | 493.60 | 468.15 | 437.65 | 407.05 | 376.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 513.95 | 507.75 | 475.75 | 448.55 | 421.25 | 393.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 519.15 | 512.95 | 481.05 | 453.75 | 426.45 | 399.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 548.95 | 538.25 | 511.25 | 483.85 | 456.85 | 429.95 |

123 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Schwarzenberg for an adult aged 26 or over with a deductible of 300 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in [Schwarzenberg](https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/) is Agrisano (AGRIsmart) at 388.45 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 420.50 CHF a month.

### How much does health insurance cost in Schwarzenberg in 2026 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 388.45 CHF (Agrisano, AGRIsmart) to 548.95 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: 376.25 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Schwarzenberg for an adult aged 26 or over without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 388.45 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-300/) to 283.65 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/deductible-2500/): 104.80 CHF less a month, 1'257.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'697 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Schwarzenberg 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 420.50 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 394.70 CHF (Sanitas), flexible model 400.45 CHF (Sympany), telemedicine 388.45 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 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 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 393.60 CHF at Agrisano (AGRIsmart) gives 388.45 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/

## Related pages

- Without accident cover: from 274.30 to 548.95 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/lu/schwarzenberg/adult/no-accident/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…) and `schwarzenberg` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.