# Health insurance premiums 2026 in Wikon (LU), for a young adult aged 19 to 25 with accident cover

In 2026, for a young adult aged 19 to 25 in Wikon, with accident cover, the cheapest health insurance premium is:

- **297.35 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **177.95 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-2500/) (CSS, Hausarztversicherung Profit)

## With accident cover: from 177.95 to 430.70 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 **297.35 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 430.70 CHF with Einsiedler Krankenkasse (Standard model).

Lowest premium:
- 300 CHF: 297.35 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-300/
- 500 CHF: 287.25 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-500/
- 1'000 CHF: 262.25 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 236.25 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 207.15 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 177.95 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-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 | 297.35 | 287.25 | 262.25 | 237.15 | 211.95 | 186.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 306.25 | 294.65 | 265.45 | 236.25 | 207.15 | 177.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 309.65 | 298.05 | 268.85 | 239.65 | 210.55 | 187.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 311.75 | 300.15 | 270.95 | 241.75 | 212.65 | 183.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 311.75 | 300.15 | 270.95 | 241.75 | 212.65 | 183.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 312.40 | 300.80 | 271.60 | 242.40 | 213.30 | 184.10 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 312.45 | 300.85 | 271.65 | 242.45 | 213.35 | 184.15 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 312.85 | 301.15 | 272.00 | 242.85 | 218.05 | 184.50 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 313.15 | 302.55 | 276.25 | 249.75 | 223.35 | 197.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 313.25 | 301.55 | 272.45 | 243.25 | 214.05 | 187.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 313.25 | 301.55 | 272.45 | 243.25 | 214.05 | 187.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 313.25 | 301.55 | 272.45 | 243.25 | 214.05 | 187.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 313.25 | 301.55 | 272.45 | 243.25 | 214.05 | 187.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 315.75 | 304.15 | 274.95 | 245.75 | 216.65 | 187.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 315.75 | 304.15 | 274.95 | 245.75 | 216.65 | 187.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 315.75 | 304.15 | 274.95 | 245.75 | 216.65 | 187.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 315.75 | 304.15 | 274.95 | 245.75 | 216.65 | 187.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 315.75 | 304.15 | 274.95 | 245.75 | 216.65 | 187.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 316.20 | 304.55 | 276.80 | 250.60 | 224.35 | 198.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 318.45 | 307.65 | 280.85 | 254.05 | 227.15 | 200.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 318.95 | 307.35 | 278.15 | 248.95 | 219.85 | 190.65 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 321.35 | 309.75 | 280.55 | 251.35 | 222.25 | 196.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 322.45 | 310.95 | 281.95 | 252.45 | 223.45 | 198.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 323.15 | 311.55 | 282.35 | 253.15 | 224.05 | 194.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 325.65 | 314.05 | 284.85 | 255.65 | 226.55 | 200.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 325.65 | 314.05 | 284.85 | 255.65 | 226.55 | 197.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 327.05 | 315.45 | 286.25 | 257.05 | 227.95 | 198.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 327.55 | 315.95 | 288.65 | 259.45 | 230.35 | 201.15 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 327.65 | 316.05 | 286.85 | 257.75 | 232.65 | 207.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 327.65 | 316.05 | 286.85 | 257.75 | 232.65 | 207.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 328.05 | 316.55 | 287.55 | 258.05 | 229.05 | 200.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 328.05 | 316.55 | 287.55 | 258.05 | 229.05 | 200.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 328.65 | 318.55 | 293.15 | 267.85 | 242.45 | 217.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 329.45 | 317.85 | 288.65 | 259.45 | 230.35 | 201.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 329.45 | 317.85 | 288.65 | 259.45 | 230.35 | 201.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 329.55 | 317.95 | 288.75 | 259.55 | 230.45 | 201.25 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 333.15 | 321.45 | 293.30 | 265.55 | 237.85 | 210.40 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 334.55 | 323.05 | 294.05 | 264.55 | 235.55 | 208.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 336.65 | 329.95 | 295.85 | 266.65 | 237.45 | 208.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 336.65 | 329.95 | 295.85 | 266.65 | 237.45 | 208.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 336.75 | 325.05 | 299.85 | 270.65 | 237.55 | 208.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 337.15 | 325.55 | 296.35 | 267.15 | 238.05 | 208.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 337.15 | 325.55 | 296.35 | 267.15 | 238.05 | 208.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 338.35 | 326.75 | 297.55 | 268.35 | 239.25 | 210.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 338.55 | 326.95 | 297.75 | 268.55 | 239.45 | 210.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 338.65 | 327.05 | 307.65 | 278.55 | 241.45 | 212.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 339.35 | 327.85 | 298.85 | 269.35 | 240.35 | 211.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 340.35 | 328.75 | 299.55 | 270.35 | 241.25 | 212.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 341.45 | 329.85 | 308.35 | 279.15 | 257.65 | 228.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 342.45 | 330.95 | 301.95 | 272.45 | 243.45 | 214.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 342.85 | 331.25 | 302.05 | 272.85 | 243.75 | 214.55 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 343.95 | 332.35 | 303.15 | 274.05 | 244.85 | 216.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 344.15 | 332.55 | 303.35 | 274.15 | — | 215.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 346.35 | 334.85 | 305.85 | 276.35 | 247.35 | 218.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 346.55 | 334.85 | 305.75 | 278.55 | 251.35 | 226.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 346.55 | 334.85 | 305.75 | 276.55 | 247.35 | 218.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 348.15 | 336.55 | 307.35 | 278.15 | 249.05 | 219.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 350.15 | 338.45 | 309.35 | 280.15 | 250.95 | 221.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 350.95 | 339.35 | 310.15 | 280.95 | 251.85 | 222.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 351.75 | 340.15 | 310.95 | 281.75 | 252.65 | 223.45 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 351.75 | 340.15 | 310.95 | 281.75 | 252.65 | 223.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 351.95 | 340.35 | 311.15 | 281.95 | 252.85 | 223.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 352.35 | 340.75 | 311.55 | 282.35 | — | 224.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 352.45 | 344.75 | 315.55 | 286.35 | 253.25 | 224.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 352.55 | 340.95 | 311.75 | 282.55 | 253.45 | 224.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 354.95 | 343.35 | 314.15 | 284.95 | 255.85 | 226.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 356.25 | 344.75 | 315.75 | 286.25 | 257.25 | 228.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 356.55 | 344.95 | 315.75 | 286.55 | 257.45 | 228.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 356.75 | 347.75 | 322.25 | 302.75 | 279.75 | 257.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 357.95 | 346.35 | 317.15 | 287.95 | — | 229.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 357.95 | 347.65 | 321.95 | 296.35 | 270.65 | 244.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 360.65 | 349.05 | 319.85 | 290.65 | — | 232.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 363.55 | 351.95 | 322.75 | 293.55 | 264.45 | 235.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 363.55 | 351.95 | 322.75 | 293.55 | 264.45 | 235.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 363.55 | 351.95 | 322.75 | 293.55 | 264.45 | 235.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 363.55 | 351.95 | 322.75 | 293.55 | 264.45 | 235.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 363.55 | 351.95 | 322.75 | 293.55 | 264.45 | 235.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 364.15 | 357.45 | 323.25 | 294.15 | 264.95 | 235.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 364.25 | 352.55 | 323.35 | 294.25 | 265.05 | 235.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 364.55 | 357.85 | 323.65 | 294.55 | 265.35 | 236.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 366.15 | 355.75 | 329.45 | 303.15 | 276.95 | 250.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 367.45 | 355.75 | 326.55 | 297.45 | 268.25 | 239.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 370.25 | 359.75 | 333.15 | 306.55 | 280.05 | 253.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 370.45 | 358.85 | 329.65 | 300.45 | 271.35 | 242.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 371.35 | 359.85 | 330.85 | 301.35 | 272.35 | 243.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 371.75 | 360.15 | 330.95 | 301.75 | — | 243.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 372.05 | 360.45 | 331.25 | 304.05 | 276.85 | 251.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 372.15 | 360.55 | 331.35 | 302.15 | 273.05 | 243.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 372.15 | 360.55 | 331.35 | 302.15 | 273.05 | 243.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 374.45 | 362.75 | 333.65 | 304.45 | 275.25 | 246.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 374.45 | 362.85 | 333.95 | 304.45 | 280.45 | 257.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 375.15 | 363.55 | 334.35 | 305.15 | 276.05 | 246.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 375.85 | 369.25 | 335.05 | 305.85 | 276.75 | 247.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 376.65 | 365.05 | 335.85 | 306.65 | 277.55 | 248.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 377.25 | 365.75 | 336.75 | 307.25 | 278.25 | 249.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 378.45 | 366.85 | 337.65 | 308.55 | 279.35 | 250.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 379.45 | 367.95 | 338.95 | 309.45 | 280.45 | 251.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 381.65 | 370.15 | 341.15 | 311.65 | 282.65 | 253.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 382.95 | 371.35 | 342.15 | 312.95 | 283.85 | 254.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 383.75 | 377.05 | 342.95 | 313.75 | 284.55 | 255.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 385.05 | 373.45 | 344.25 | 315.05 | 285.95 | 256.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 387.45 | 375.75 | 346.55 | 317.45 | 288.25 | 259.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 387.55 | 375.85 | 346.65 | 317.55 | 288.35 | 259.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 387.65 | 381.05 | 346.85 | 317.65 | 288.55 | 259.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 387.75 | 376.15 | 346.95 | 317.75 | 288.65 | 259.45 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 388.15 | 378.15 | 353.65 | 329.15 | 304.65 | 280.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 389.25 | 377.65 | 348.45 | 319.25 | 290.15 | 260.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 389.85 | 378.35 | 349.35 | 319.85 | 290.85 | 261.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 390.25 | 378.75 | 349.75 | 320.25 | 291.25 | 262.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 391.75 | 380.15 | 350.95 | 321.75 | 292.65 | 263.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 391.75 | 380.15 | 350.95 | 321.75 | 292.65 | 263.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 399.35 | 387.75 | 358.55 | 329.35 | — | 271.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 401.55 | 389.95 | 360.75 | 331.55 | 302.45 | 273.25 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 404.30 | 396.10 | 367.45 | 338.80 | 310.15 | 289.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 404.55 | 392.95 | 363.75 | 334.55 | 305.45 | 276.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 404.55 | 392.95 | 363.75 | 334.55 | 305.45 | 276.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 407.45 | 395.85 | 366.65 | 337.45 | 308.35 | 279.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 417.35 | 405.75 | 376.55 | 347.35 | 318.25 | 289.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 421.65 | 409.95 | 380.75 | 351.65 | 322.45 | 293.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 423.65 | 412.05 | 382.85 | 353.65 | 324.55 | 295.35 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 425.85 | 417.25 | 387.05 | 356.90 | 326.70 | 300.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 429.35 | 417.85 | 388.85 | 359.35 | 330.35 | 301.35 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 430.70 | 419.15 | 389.95 | 360.75 | 331.65 | 302.45 |

123 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Wikon for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Wikon](https://praemiencheck.onedoc.ch/en/lu/wikon/) is Agrisano (AGRIsmart) at 297.35 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 325.65 CHF a month.

### How much does health insurance cost in Wikon in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 297.35 CHF (Agrisano, AGRIsmart) to 430.70 CHF (Einsiedler Krankenkasse, 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: 252.55 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 297.35 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-300/) to 186.95 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/deductible-2500/): 110.40 CHF less a month, 1'324.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'772 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Wikon 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 with accident cover, the cheapest premium per model is: standard model 325.65 CHF (Sanitas), family doctor / HMO 306.25 CHF (CSS), flexible model 313.25 CHF (Sympany), telemedicine 297.35 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 302.50 CHF at Agrisano (AGRIsmart) gives 297.35 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/wikon/young-adult/with-accident/

## Related pages

- With accident cover: from 177.95 to 430.70 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/lu/wikon/young-adult/with-accident/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…) and `wikon` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.