# Health insurance premiums 2027 in Werthenstein (LU), for a young adult aged 19 to 25 without accident cover

In 2027, for a young adult aged 19 to 25 in Werthenstein, without accident cover, the cheapest health insurance premium is:

- **308.45 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart)
- **194.65 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-2500/) (CONCORDIA, HMO)

## Without accident cover: from 194.65 to 444.55 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **308.45 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 444.55 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 308.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-300/
- 500 CHF: 298.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-500/
- 1'000 CHF: 274.95 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 249.40 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 222.25 CHF (CONCORDIA, HMO) — https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 194.65 CHF (CONCORDIA, HMO) — https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-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-2027) | Telemedicine | AGRIsmart | 308.45 | 298.85 | 274.95 | 250.95 | 226.95 | 203.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 314.60 | 303.75 | 276.60 | 249.40 | 222.25 | 195.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 314.60 | 303.75 | 276.60 | 249.40 | 222.25 | 195.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 314.95 | 304.15 | 277.05 | 249.85 | 222.85 | 195.65 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 315.95 | 304.95 | 277.35 | 249.75 | 222.25 | 194.65 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 317.00 | 306.05 | 278.65 | 251.20 | 225.25 | 196.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 317.95 | 307.10 | 279.95 | 252.75 | 225.65 | 198.50 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 317.95 | 307.10 | 279.95 | 252.75 | 225.65 | 198.50 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 317.95 | 307.10 | 279.95 | 252.75 | 225.65 | 198.50 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 317.95 | 307.10 | 279.95 | 252.75 | 225.65 | 198.50 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 317.95 | 307.10 | 279.95 | 252.75 | 225.65 | 198.50 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 318.45 | 307.45 | 279.65 | 251.95 | 224.25 | 196.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 318.95 | 308.05 | 280.95 | 253.85 | 226.65 | 199.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 319.55 | 308.85 | 281.85 | 254.45 | 227.45 | 200.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 320.25 | 309.25 | 281.45 | 253.75 | 226.15 | 198.35 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 320.45 | 309.45 | 282.25 | 256.80 | 231.35 | 206.00 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 320.75 | 309.95 | 282.85 | 255.65 | 228.55 | 201.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 323.45 | 312.45 | 284.85 | 257.25 | 229.75 | 202.15 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 324.65 | 314.65 | 289.75 | 264.85 | 239.85 | 214.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 324.65 | 314.65 | 289.75 | 264.85 | 239.85 | 214.95 |
| [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) | 325.05 | 314.45 | 287.45 | 259.95 | 233.05 | 206.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 325.05 | 314.45 | 287.45 | 259.95 | 233.05 | 206.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 326.65 | 316.45 | 291.15 | 265.75 | 240.35 | 215.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 327.45 | 316.45 | 288.75 | 260.95 | 233.35 | 205.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 327.90 | 317.05 | 289.90 | 262.75 | 235.60 | 208.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 328.25 | 317.45 | 290.25 | 263.15 | 236.05 | 208.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 328.45 | 318.15 | 292.75 | 267.25 | 241.65 | 216.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 329.25 | 318.25 | 290.55 | 262.75 | 235.15 | 207.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 330.15 | 319.45 | 292.25 | 265.05 | 238.05 | 210.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 332.05 | 322.65 | 299.15 | 275.55 | 251.95 | 222.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 332.05 | 321.15 | 294.05 | 266.95 | 239.75 | 212.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 332.05 | 321.15 | 294.05 | 266.95 | 239.75 | 212.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 332.25 | 321.45 | 294.25 | 267.15 | 240.05 | 215.65 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 332.85 | 321.85 | 294.25 | 266.75 | 239.25 | 211.65 |
| [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) | 336.25 | 325.55 | 298.65 | 271.15 | 244.25 | 217.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 336.85 | 330.55 | 298.65 | 271.35 | 244.15 | 216.85 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 337.55 | 326.60 | 299.15 | 272.15 | 245.35 | 218.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 337.65 | 331.35 | 299.45 | 272.15 | 244.95 | 217.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 337.85 | 327.05 | 299.85 | 272.75 | 245.65 | 218.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 339.45 | 328.65 | 301.55 | 274.35 | 247.35 | 232.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 340.55 | 329.75 | 302.55 | 275.45 | 248.35 | 221.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 343.95 | 333.15 | 306.05 | 278.85 | 251.75 | 224.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 345.05 | 334.25 | 307.05 | 279.95 | — | 225.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 345.65 | 334.85 | 307.65 | 280.55 | 253.45 | 226.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 345.65 | 334.85 | 307.65 | 280.55 | 253.45 | 226.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 346.05 | 335.25 | 308.05 | 280.95 | 253.85 | 226.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 346.75 | 335.95 | 308.75 | 281.45 | 254.35 | 227.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 346.75 | 335.95 | 308.75 | 281.45 | 254.35 | 227.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 347.45 | 336.75 | 309.55 | 282.45 | 255.35 | 228.15 |
| [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) | 347.95 | 337.15 | 309.95 | 282.85 | — | 228.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 348.55 | 337.85 | 310.95 | 283.45 | 256.45 | 229.55 |
| [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 | 348.65 | 337.95 | 310.75 | 283.55 | 256.55 | 229.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 350.05 | 339.15 | 315.95 | 288.85 | 257.75 | 230.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 351.25 | 340.45 | 313.35 | 286.15 | 259.15 | 232.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 351.45 | 340.75 | 313.55 | 286.35 | 259.35 | 232.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 351.65 | 340.75 | 313.45 | 286.25 | 258.95 | 231.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 351.95 | 341.15 | 313.95 | 286.85 | 259.75 | 232.65 |
| [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 | 352.65 | 341.95 | 314.75 | 287.55 | 260.55 | 233.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 352.65 | 341.95 | 314.75 | 287.55 | 260.55 | 233.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 353.25 | 342.45 | 315.35 | 288.15 | 261.05 | 233.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 353.85 | 343.05 | 315.85 | 288.75 | 261.65 | 234.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 355.95 | 345.05 | 323.85 | 296.75 | 263.75 | 236.55 |
| [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) | 356.75 | 346.05 | 319.15 | 291.65 | 264.75 | 237.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 357.35 | 346.25 | 318.65 | 290.85 | 263.15 | 235.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 357.45 | 346.55 | 319.35 | 292.05 | 264.85 | 237.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 358.35 | 347.35 | 319.55 | 291.85 | 264.15 | 236.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 359.45 | 348.65 | 321.45 | 294.35 | — | 240.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 359.85 | 352.95 | 329.75 | 302.65 | 283.45 | 256.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 360.85 | 350.15 | 323.25 | 295.75 | 268.85 | 241.85 |
| [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 | 360.85 | 350.05 | 322.95 | 295.75 | 268.75 | 241.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 361.85 | 353.55 | 332.65 | 311.65 | 290.25 | 269.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 362.35 | 351.55 | 324.35 | 297.25 | — | 243.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 365.15 | 358.85 | 326.95 | 299.65 | 272.45 | 245.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 365.55 | 359.25 | 327.35 | 300.05 | 272.85 | 245.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 365.75 | 358.85 | 331.75 | 304.65 | 273.55 | 246.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 367.35 | 357.75 | 333.55 | 309.45 | 285.35 | 261.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 367.95 | 357.25 | 330.25 | 302.85 | 275.85 | 248.95 |
| [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 | 368.95 | 358.15 | 331.05 | 303.85 | 276.85 | 249.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 368.95 | 358.15 | 331.05 | 303.85 | 276.85 | 249.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 369.45 | 358.55 | 331.45 | 304.35 | 277.15 | 250.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 369.65 | 358.85 | 331.65 | 304.55 | 277.45 | 250.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 369.65 | 358.85 | 331.65 | 304.55 | 277.45 | 250.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 370.25 | 359.35 | 331.75 | 304.15 | 276.65 | 249.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 371.05 | 360.25 | 333.05 | 305.85 | 278.65 | 251.45 |
| [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) | 371.15 | 360.45 | 333.45 | 306.05 | 279.05 | 252.15 |
| [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 | 373.85 | 363.05 | 335.95 | 308.75 | — | 254.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 374.65 | 363.75 | 336.45 | 309.25 | 281.95 | 254.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 375.75 | 365.95 | 341.25 | 316.55 | 291.95 | 267.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 376.95 | 370.65 | 338.75 | 311.45 | 284.25 | 256.95 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 379.85 | 369.05 | 342.15 | 314.75 | 292.45 | 271.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 380.05 | 370.05 | 345.15 | 320.15 | 295.25 | 270.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 381.25 | 370.35 | 343.05 | 315.85 | 288.55 | 261.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 381.55 | 374.65 | 351.45 | 324.35 | 297.25 | 270.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 382.35 | 371.55 | 344.45 | 317.35 | 290.25 | 263.05 |
| [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) | 383.35 | 372.65 | 345.65 | 318.25 | 291.25 | 264.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 384.55 | 373.75 | 346.55 | 319.45 | 292.35 | 265.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 384.75 | 378.55 | 346.65 | 319.35 | 292.05 | 264.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 385.15 | 374.25 | 346.95 | 319.75 | 292.45 | 265.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 385.45 | 378.55 | 351.45 | 324.35 | 297.25 | 270.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 385.55 | 374.85 | 347.85 | 320.45 | 293.45 | 266.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 387.75 | 377.05 | 350.05 | 322.65 | 295.65 | 268.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 388.65 | 382.45 | 350.55 | 323.25 | 296.05 | 268.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 389.25 | 378.45 | 351.35 | 324.15 | 297.05 | 269.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 389.45 | 378.55 | 351.45 | 324.35 | 297.25 | 270.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 393.65 | 384.45 | 361.65 | 338.85 | 316.05 | 293.25 |
| [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) | 396.55 | 385.85 | 358.95 | 331.45 | 304.45 | 277.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 400.55 | 389.65 | 362.45 | 335.15 | 307.95 | 280.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 401.55 | 390.75 | 363.55 | 336.45 | 309.35 | 282.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 402.65 | 391.85 | 364.75 | 337.55 | — | 283.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 404.95 | 394.05 | 366.85 | 339.55 | 312.35 | 285.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 404.95 | 394.05 | 366.85 | 339.55 | 312.35 | 285.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 406.05 | 395.35 | 368.45 | 340.95 | 314.05 | 287.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 414.25 | 403.35 | 376.05 | 348.85 | 321.55 | 294.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 418.05 | 407.15 | 379.75 | 352.25 | 324.95 | 297.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 418.15 | 407.25 | 380.05 | 352.75 | 325.55 | 298.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 418.15 | 407.25 | 380.05 | 352.75 | 325.55 | 298.25 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 422.05 | 413.55 | 383.65 | 353.80 | 323.90 | 298.25 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.95 | 418.15 | 390.65 | 363.25 | 335.85 | 308.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 431.35 | 420.45 | 393.25 | 365.95 | 338.75 | 311.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 435.75 | 424.85 | 397.65 | 370.35 | 343.15 | 315.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 436.25 | 425.55 | 398.55 | 371.15 | 344.15 | 317.25 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 444.55 | 435.55 | 404.10 | 377.15 | 350.20 | 318.75 |

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

\* insurer’s default model

Last modified: 29/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Werthenstein for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in [Werthenstein](https://praemiencheck.onedoc.ch/en/lu/werthenstein/) is Agrisano (AGRIsmart) at 308.45 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 327.90 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 308.45 CHF (Agrisano, AGRIsmart) to 444.55 CHF (vita surselva, Standard model): 122 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 Werthenstein for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 308.45 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-300/) to 203.15 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/deductible-2500/): 105.30 CHF less a month, 1'263.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'704 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Werthenstein 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 327.90 CHF (Sanitas), family doctor / HMO 314.60 CHF (Sanitas), flexible model 317.95 CHF (Sanitas), telemedicine 308.45 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 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 313.20 CHF at Agrisano (AGRIsmart) gives 308.45 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.

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/werthenstein/young-adult/no-accident/

## Related pages

- Without accident cover: from 194.65 to 444.55 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/werthenstein/young-adult/no-accident/

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