# Health insurance premiums 2027 in Zell (LU), for a young adult aged 19 to 25 who wants a deductible of 2'500 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Zell](https://praemiencheck.onedoc.ch/en/lu/zell/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/) with a 2'500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/), the cheapest monthly basic insurance premium is **182.95 CHF** with **CSS** (Hausarztversicherung Profit model) and the most expensive is 308.45 CHF with Einsiedler Krankenkasse (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 302.25 | 291.45 | 264.35 | 237.15 | 210.05 | 182.95 | +10.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 304.60 | 293.65 | 266.25 | 238.80 | 215.55 | 184.00 | +5.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 304.50 | 293.65 | 266.50 | 239.30 | 212.15 | 185.05 | +7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 304.50 | 293.65 | 266.50 | 239.30 | 212.15 | 185.05 | +7.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 307.45 | 296.45 | 268.65 | 240.95 | 213.25 | 185.55 | +6.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 307.45 | 296.45 | 268.65 | 240.95 | 213.25 | 185.55 | +6.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 307.70 | 296.85 | 269.70 | 242.50 | 215.40 | 188.25 | +7.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 307.70 | 296.85 | 269.70 | 242.50 | 215.40 | 188.25 | +7.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 307.70 | 296.85 | 269.70 | 242.50 | 215.40 | 188.25 | +7.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 307.70 | 296.85 | 269.70 | 242.50 | 215.40 | 188.25 | +7.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 307.70 | 296.85 | 269.70 | 242.50 | 215.40 | 188.25 | +7.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 307.25 | 296.25 | 268.65 | 241.05 | 213.55 | 188.35 | +1.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 314.45 | 303.45 | 275.65 | 247.95 | 220.35 | 192.55 | +6.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 314.55 | 303.55 | 275.95 | 248.35 | 220.85 | 193.25 | +2.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 312.75 | 302.05 | 275.05 | 247.65 | 220.65 | 193.75 | +4.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 300.25 | 290.65 | 266.65 | 242.75 | 218.65 | 194.75 | +9.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 315.55 | 304.75 | 277.55 | 250.45 | 223.35 | 196.15 | +12.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 318.65 | 307.65 | 279.85 | 252.15 | 224.45 | 196.75 | +6.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 307.90 | 296.95 | 270.85 | 246.25 | 221.55 | 196.85 | +5.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 317.40 | 306.55 | 279.40 | 252.20 | 225.05 | 197.95 | +7.5 % |
| [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) | 318.25 | 307.55 | 280.55 | 253.15 | 226.15 | 199.15 | +6.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 318.25 | 307.55 | 280.55 | 253.15 | 226.15 | 199.15 | +6.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 318.15 | 307.45 | 280.25 | 253.05 | 226.05 | 199.55 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 319.25 | 308.35 | 281.25 | 254.15 | 226.95 | 199.85 | +14.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 319.25 | 308.35 | 281.25 | 254.15 | 226.95 | 199.85 | +14.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 319.25 | 308.35 | 281.25 | 254.15 | 226.95 | 199.85 | +14.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 319.25 | 308.35 | 281.25 | 254.15 | 226.95 | 199.85 | +14.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 323.55 | 312.65 | 285.05 | 257.45 | 229.95 | 202.35 | +1.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 314.15 | 304.15 | 279.25 | 254.35 | 229.35 | 204.45 | +5.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 314.15 | 304.15 | 279.25 | 254.35 | 229.35 | 204.45 | +5.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 317.85 | 307.75 | 282.35 | 256.95 | 231.65 | 206.35 | +9.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 319.55 | 309.35 | 283.95 | 258.45 | 232.85 | 207.45 | +8.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 324.35 | 313.40 | 286.90 | 260.85 | 234.80 | 209.00 | +5.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 328.35 | 317.55 | 290.35 | 263.25 | 236.15 | 209.05 | +11.4 % |
| [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) | 329.15 | 318.45 | 291.55 | 264.05 | 237.15 | 210.15 | +6.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 327.15 | 316.35 | 289.25 | 262.05 | 235.05 | 210.65 | +12.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 331.45 | 320.75 | 293.55 | 266.35 | 239.35 | 212.15 | +8.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 331.65 | 320.85 | 297.55 | 270.35 | 239.45 | 212.35 | +9.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 332.05 | 321.25 | 294.05 | 266.95 | — | 212.65 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 333.35 | 322.55 | 295.45 | 268.25 | 241.15 | 214.05 | +8.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 334.55 | 323.75 | 296.65 | 269.55 | 242.45 | 215.55 | +6.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 335.85 | 325.05 | 297.95 | 270.75 | 243.75 | 216.55 | +11.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 335.85 | 325.05 | 297.95 | 270.75 | 243.75 | 216.55 | +11.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 336.05 | 325.25 | 298.15 | 270.95 | 243.95 | 216.75 | +15.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 329.05 | 318.35 | 291.15 | 263.95 | 236.95 | 216.75 | +15.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 336.05 | 325.25 | 298.15 | 270.95 | 243.95 | 216.75 | +15.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 336.55 | 325.75 | 298.55 | 271.45 | 244.35 | 217.15 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 337.45 | 326.55 | 299.25 | 272.05 | 244.75 | 217.45 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 337.65 | 331.35 | 299.45 | 272.15 | 244.95 | 217.65 | +11.5 % |
| [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 | +11.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 338.15 | 327.35 | 300.15 | 272.95 | 245.75 | 218.55 | +4.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 338.15 | 327.35 | 300.15 | 272.95 | 245.75 | 218.55 | +4.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 339.35 | 328.45 | 307.05 | 279.95 | 247.05 | 219.95 | +11.1 % |
| [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) | 340.15 | 329.35 | 302.25 | 275.05 | — | 220.85 | +5.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 319.65 | 310.25 | 286.55 | 263.05 | 239.45 | 220.95 | +9.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 341.25 | 330.55 | 303.55 | 276.15 | 249.15 | 222.15 | +14.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 341.55 | 330.75 | 303.55 | 276.45 | 249.35 | 222.25 | +11.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 341.85 | 331.15 | 303.95 | 276.85 | 249.75 | 222.55 | +4.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 345.95 | 334.95 | 307.25 | 279.45 | 251.85 | 224.15 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 344.75 | 334.05 | 306.85 | 279.65 | 252.65 | 225.45 | +8.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 345.05 | 338.05 | 310.85 | 283.75 | 252.85 | 225.65 | +8.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 347.75 | 336.65 | 309.05 | 281.25 | 253.55 | 225.95 | +8.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 345.65 | 334.85 | 307.75 | 280.55 | — | 226.35 | +5.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 346.85 | 335.95 | 308.65 | 281.35 | 254.15 | 226.85 | +9.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 348.35 | 337.55 | 310.45 | 283.25 | — | 229.05 | +5.8 % |
| [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 | +4.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 348.65 | 337.95 | 310.75 | 283.55 | 256.55 | 229.35 | +4.7 % |
| [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) | 349.25 | 338.55 | 311.55 | 284.15 | 257.15 | 230.25 | +15.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 352.05 | 341.15 | 313.95 | 286.65 | 259.35 | 232.15 | +3.8 % |
| [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 | +6.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 353.25 | 342.55 | 315.65 | 288.15 | 261.25 | 234.25 | +15.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 339.35 | 332.25 | 308.95 | 281.85 | 262.35 | 235.25 | +7.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 349.45 | 338.55 | 314.65 | 287.35 | 263.55 | 236.25 | +10.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 356.15 | 345.25 | 318.05 | 290.95 | 263.65 | 236.45 | +4.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 356.15 | 345.35 | 318.15 | 291.05 | 263.95 | 236.85 | +8.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 356.15 | 345.35 | 318.15 | 291.05 | 263.95 | 236.85 | +8.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 360.05 | 349.15 | 321.55 | 293.95 | 266.45 | 238.85 | +1.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 358.85 | 347.95 | 320.65 | 293.45 | 266.15 | 238.85 | +3.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 343.15 | 336.15 | 312.75 | 285.65 | 266.15 | 239.05 | +13.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 359.25 | 348.45 | 321.25 | 294.15 | 267.05 | 239.85 | +14.6 % |
| [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 | 359.25 | 348.45 | 321.35 | 294.15 | — | 239.95 | +5.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 360.15 | 349.45 | 322.55 | 295.05 | 268.15 | 241.15 | +6.4 % |
| [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 | +6.3 % |
| [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) | 363.35 | 352.65 | 325.65 | 298.25 | 271.25 | 244.25 | +14.7 % |
| [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 | +11.0 % |
| [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 | +10.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 368.05 | 357.25 | 330.05 | 303.05 | 275.85 | 248.75 | +6.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 354.95 | 345.35 | 321.15 | 297.05 | 272.95 | 248.85 | +7.9 % |
| [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 | +4.4 % |
| [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 | +2.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 371.25 | 360.35 | 333.05 | 305.85 | 278.55 | 251.25 | +3.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 345.35 | 336.95 | 316.05 | 295.15 | 273.75 | 252.85 | +5.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 362.45 | 351.65 | 324.75 | 297.35 | 275.05 | 253.65 | +5.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 373.75 | 362.95 | 335.75 | 308.65 | 281.55 | 254.35 | +10.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 363.15 | 353.25 | 328.55 | 303.85 | 279.25 | 254.55 | +7.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 375.15 | 364.35 | 337.15 | 310.05 | 282.95 | 255.75 | +7.8 % |
| [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) | 375.25 | 364.55 | 337.55 | 310.15 | 283.15 | 256.25 | +10.3 % |
| [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 | +10.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 367.15 | 357.25 | 332.25 | 307.35 | 282.45 | 257.45 | +7.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 377.55 | 366.65 | 339.55 | 312.45 | 285.35 | 258.15 | +6.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 362.25 | 355.25 | 331.95 | 304.75 | 285.35 | 258.15 | +10.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 377.45 | 366.75 | 339.75 | 312.35 | 285.35 | 258.35 | +10.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 379.55 | 368.85 | 341.95 | 314.45 | 287.55 | 260.55 | +10.3 % |
| [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 | +10.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 386.85 | 375.95 | 348.65 | 321.45 | 294.15 | 266.85 | +9.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 386.45 | 375.65 | 348.45 | 321.35 | — | 267.05 | +5.8 % |
| [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 | +10.6 % |
| [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) | 388.25 | 377.55 | 350.55 | 323.15 | 296.15 | 269.15 | +10.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 391.05 | 380.15 | 352.95 | 325.65 | 298.45 | 271.15 | +9.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 391.05 | 380.15 | 352.95 | 325.65 | 298.45 | 271.15 | +9.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 375.75 | 366.45 | 343.65 | 320.85 | 298.15 | 275.35 | +5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 397.55 | 386.85 | 359.85 | 332.45 | 305.45 | 278.45 | +14.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 400.85 | 389.95 | 362.75 | 335.45 | 308.15 | 280.95 | +9.8 % |
| [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 | +2.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 403.95 | 393.05 | 365.65 | 338.15 | 310.85 | 283.35 | +7.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 403.85 | 392.95 | 365.65 | 338.45 | 311.15 | 283.95 | +9.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 403.85 | 392.95 | 365.65 | 338.45 | 311.15 | 283.95 | +9.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 408.85 | 400.60 | 371.65 | 342.65 | 313.75 | 293.05 | +1.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 416.55 | 405.65 | 378.45 | 351.15 | 323.95 | 296.65 | +9.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 420.85 | 409.95 | 382.65 | 355.45 | 328.15 | 300.95 | +9.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 430.60 | 421.90 | 391.45 | 365.30 | 334.85 | 304.40 | +1.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 427.05 | 416.35 | 389.45 | 361.95 | 334.95 | 308.05 | +9.7 % |
| [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 | +8.3 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Zell for a young adult aged 19 to 25 with a deductible of 2'500 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/), the cheapest offer in [Zell](https://praemiencheck.onedoc.ch/en/lu/zell/) is CSS (Hausarztversicherung Profit) at 182.95 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 197.95 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/) with a deductible of 2'500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/), monthly premiums run from 182.95 CHF (CSS, Hausarztversicherung Profit) to 308.45 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: 257.25 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Zell for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 302.25 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-300/) to 182.95 CHF with the 2'500 CHF deductible: 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Zell 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 2'500 CHF and without accident cover, the cheapest premium per model is: standard model 197.95 CHF (Sanitas), family doctor / HMO 182.95 CHF (CSS), flexible model 188.25 CHF (Sanitas), telemedicine 184.00 CHF (Krankenkasse Luzerner Hinterland).

### 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 187.70 CHF at CSS (Hausarztversicherung Profit) gives 182.95 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Zell is in region 3 of canton Lucerne.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Zell (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/zell/
- Premiums 2027 in Zell (LU), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/
- Premiums 2027 in Zell (LU), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/lu/zell/child/
- Adult: https://praemiencheck.onedoc.ch/en/lu/zell/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/with-accident/deductible-2500/
- Deductible Premiums 2027 in Zell (LU), young adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Zell (LU), young adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-500/
- Deductible Premiums 2027 in Zell (LU), young adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2027 in Zell (LU), young adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2027 in Zell (LU), young adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-2000/

Address of this page: praemiencheck.onedoc.ch/en/lu/zell/young-adult/no-accident/deductible-300/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `zell` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-2500` with `deductible-300` for another deductible. Markdown version: add `.md`.