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The tables below show adults aged 26 and over without accident cover. The calculator gives you every tariff for your postcode, age and franchise.
1Premiums by region
The canton of Lucerne is divided into 3 premium regions. The same tariff costs more or less depending on the municipality you live in.
| Region | Lowest, franchise 2500 | Lowest, franchise 300 | Highest standard, franchise 300 | Localities |
|---|---|---|---|---|
| Region 1includes Luzern | 325.55 | 445.00 | 629.80 | 19 |
| Region 2 | 307.55 | 427.00 | 604.70 | 36 |
| Region 3 | 293.45 | 413.45 | 592.10 | 111 |
Monthly premiums in CHF for adults aged 26 and over, without accident cover. Employees who work at least 8 hours a week for one employer are insured against accidents through their job.
2The 10 lowest tariffs in Luzern
All tariffs available in Luzern (Region 1), sorted by the monthly premium with a CHF 2500 franchise.
| Insurer | Model | Franchise 2500 | Franchise 300 |
|---|---|---|---|
| Sanitas | Family doctor or HMOHausarztmodell 1 | 325.55 | 445.00 |
| Sanitas | TelmedTelMed Basic | 325.55 | 445.00 |
| Atupri | Family doctor or HMOHMO | 329.00 | 450.90 |
| Helsana | Family doctor or HMOHelsana BeneFit PLUS Hausarzt R1 | 332.20 | 451.60 |
| Vivao Sympany | Family doctor or HMOcasamed hmo | 335.50 | 454.80 |
| Atupri | Family doctor or HMOCareMed | 336.20 | 458.10 |
| Concordia | Family doctor or HMOHMO | 338.70 | 460.00 |
| Assura | TelmedMediTel | 341.30 | 460.60 |
| Avenir | TelmedSanaTel (Telemedizin) | 341.60 | 460.70 |
| Atupri | TelmedSmartCare | 342.50 | 464.40 |
This list is sorted by price only and is not a recommendation. Models with a lower premium come with rules, for example calling a hotline or seeing a set doctor first. Read the conditions of the insurer before you choose.
3Children and young adults
The lowest monthly premium in Luzern for each age group, without accident cover.
| Age group | Franchise | Lowest premium |
|---|---|---|
| Children up to 18 | CHF 0 | 102.90 |
| Young adults 19 to 25 | CHF 300 | 329.00 |
| Young adults 19 to 25 | CHF 2500 | 209.55 |
| Adults 26 and over | CHF 300 | 445.00 |
| Adults 26 and over | CHF 2500 | 325.55 |
4Compared with the rest of Switzerland
With the standard model and a CHF 300 franchise, the median adult premium of all insurers in Luzern is CHF 549.60 a month. That puts the canton of Lucerne at rank 11 of 26, counted from the cheapest and measured in each canton's main town. Lowest: Zug with CHF 414.80. Highest: Geneva with CHF 720.10.
5What to do next
- Check which franchise fits your health costs with the franchise check.
- New in Switzerland? You have 3 months to take out basic insurance: step by step.
- Already insured? See how and when to switch insurer.
Questions and answers
Does the premium differ within the canton of Lucerne?
Yes. The canton of Lucerne has 3 premium regions. For adults with a CHF 2500 franchise, the lowest premium is between CHF 293.45 and CHF 325.55 a month, depending on the region.
Can an insurer refuse me?
No. For basic insurance, every insurer has to accept everyone who lives in an area where it operates, whatever their age or health.
When can I switch to a cheaper insurer?
Every year. To switch for 2027, your cancellation has to reach your current insurer by the last working day of November 2026. The new insurance then starts on 1 January 2027.
All cantons
Source: Federal Office of Public Health (FOPH), premium data 2027 for compulsory health insurance (opendata.swiss) and premium regions 2027 (priminfo.admin.ch). Premiums exactly as published, in CHF a month. This page is information, not advice and not a recommendation of an insurer.