Health insurance premiums 2026 in Werthenstein (LU)For a child aged 0 to 18
With accident cover: from 58.45 to 146.85 CHF a month depending on the deductible and the model
123 offers from 25 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 88.55 | — | 78.45 | 73.45 | 68.45 | 63.35 | 58.45 |
| 2 | Agrisano | AGRIcontact | 93.45 | — | 82.85 | 77.55 | 72.35 | 66.95 | 61.75 |
| 3 | Agrisano | AGRIeco | 95.05 | — | 84.25 | 78.95 | 73.65 | 68.15 | 62.85 |
| 4 |  ÖKK | HMO model | 95.75 | — | 84.15 | — | 72.45 | — | 60.75 |
| 5 |  KPT | KPTwin.smart | 96.05 | — | 86.85 | — | 77.45 | — | 68.15 |
| 6 |  CSS | HMO (health practice) | 96.45 | 90.65 | 84.85 | 78.95 | 73.15 | — | 61.45 |
| 7 | CSS | Hausarztversicherung Profit | 97.25 | 91.45 | 85.65 | 79.75 | 73.95 | — | 62.25 |
| 8 | KPT | KPTwin.doc | 97.35 | — | 87.95 | — | 78.45 | — | 68.95 |
| 9 | ÖKK | Family doctor | 98.05 | — | 86.45 | — | 74.75 | — | 63.05 |
| 10 | ÖKK | Select | 98.05 | — | 86.45 | — | 74.75 | — | 63.05 |
| 11 |  Krankenkasse Luzerner Hinterland | Telemedicine | 98.35 | 92.50 | 86.70 | 80.85 | 75.00 | 69.20 | 63.35 |
| 12 | Krankenkasse Luzerner Hinterland | Hausmed | 99.45 | 93.60 | 87.80 | 81.95 | 76.10 | 70.30 | 64.45 |
| 13 |  CONCORDIA | HMO | 99.55 | 93.75 | 87.95 | 82.05 | 76.25 | 70.45 | 64.55 |
| 14 | ÖKK | Telemedicine | 99.75 | — | 88.15 | — | 76.45 | — | 64.75 |
| 15 |  Assura | PharMed | 100.05 | 94.25 | 88.45 | 82.55 | 76.75 | 70.95 | 65.05 |
| See all | See all | See all | See all | See all | See all | See all | |||
Without accident cover: from 55.25 to 136.25 CHF a month depending on the deductible and the model
123 offers from 25 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 | Agrisano | AGRIsmart | 83.85 | — | 74.25 | 69.55 | 64.75 | 59.95 | 55.25 |
| 2 | Agrisano | AGRIcontact | 88.55 | — | 78.45 | 73.45 | 68.45 | 63.35 | 58.45 |
| 3 | ÖKK | HMO model | 88.75 | — | 77.95 | — | 67.05 | — | 56.15 |
| 4 | KPT | KPTwin.smart | 88.95 | — | 80.35 | — | 71.65 | — | 62.95 |
| 5 | CSS | HMO (health practice) | 89.35 | 83.95 | 78.55 | 73.05 | 67.65 | — | 56.75 |
| 6 | CSS | Hausarztversicherung Profit | 90.05 | 84.75 | 79.35 | 73.85 | 68.45 | — | 57.55 |
| 7 | Agrisano | AGRIeco | 90.05 | — | 79.75 | 74.75 | 69.75 | 64.45 | 59.45 |
| 8 | KPT | KPTwin.doc | 90.15 | — | 81.35 | — | 72.55 | — | 63.75 |
| 9 | ÖKK | Family doctor | 90.85 | — | 80.05 | — | 69.25 | — | 58.35 |
| 10 | ÖKK | Select | 90.85 | — | 80.05 | — | 69.25 | — | 58.35 |
| 11 | Krankenkasse Luzerner Hinterland | Telemedicine | 92.15 | 86.65 | 81.20 | 75.70 | 70.20 | 64.75 | 59.25 |
| 12 | ÖKK | Telemedicine | 92.45 | — | 81.65 | — | 70.75 | — | 59.95 |
| 13 | Assura | PharMed | 92.75 | 87.35 | 81.95 | 76.45 | 71.05 | 65.65 | 60.15 |
| 14 | CSS | Callmed | 92.85 | 87.45 | 82.05 | 76.55 | 71.15 | — | 60.25 |
| 15 |  Helsana | BeneFit PLUS Hausarzt R1 | 92.95 | — | — | — | — | 65.85 | — |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Werthenstein, the cheapest health insurance premium is:
- Without accident cover: 83.85 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart), 55.25 CHF with a 600 CHF deductible (Agrisano, AGRIsmart).
- With accident cover: 88.55 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart), 58.45 CHF with a 600 CHF deductible (Agrisano, AGRIsmart).
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Werthenstein for a child aged 0 to 18?
In 2026, without accident cover: Agrisano (AGRIsmart) at 83.85 CHF a month with a deductible of 0 CHF, and Agrisano (AGRIsmart) at 55.25 CHF with the 600 CHF deductible. With accident cover: Agrisano (AGRIsmart) at 88.55 CHF, and Agrisano (AGRIsmart) at 58.45 CHF.
How much does accident cover cost in basic insurance in Werthenstein?
For a child aged 0 to 18 with Agrisano (AGRIsmart), the premium rises from 83.85 CHF a month without accident cover to 88.55 CHF with accident cover, at the 0 CHF deductible: 4.70 CHF a month, 56.40 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.
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 93.70 CHF at Agrisano (AGRIsmart) gives 88.55 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.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.