Premium region and municipality
The municipality you live in determines which premium region applies. Our directory currently contains 141 place names for canton Luzern. Select your town above to check locally applicable premiums.
Premium overview 2027
Health insurance premiums 2027 in canton Luzern
Explore basic health insurance premiums for canton Luzern in 2027. This page lists 141 place names from our directory. Select your place of residence to compare premiums for your own premium region, age, deductible and insurance model.
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Find premiums by municipality
Our directory contains 141 place names for canton Luzern. On this page you can find St. Niklausen LU, St. Urban, Steinhuserberg and more. Choose your municipality to continue to its local premium overview.
Premium overview for canton Luzern
The following amounts show the lowest values found in the available premium data for the listed example profiles. They are not personalised quotes. Your municipality and individual details may change the result.
| Age group | Accident cover | Insurance model | Premium | Deduction | Amount after deduction |
|---|---|---|---|---|---|
| AdultsAdults: from age 26. | Included | Telemedicine / Digital | CHF 312.20 | CHF 4.75 | CHF 307.45 |
| AdultsAdults: from age 26. | Excluded | Telemedicine / Digital | CHF 293.45 | CHF 4.75 | CHF 288.70 |
| Young adultsYoung adults: ages 19–25. | Included | Telemedicine / Digital | CHF 200.30 | CHF 4.75 | CHF 195.55 |
| Young adultsYoung adults: ages 19–25. | Excluded | Family doctor | CHF 187.70 | CHF 4.75 | CHF 182.95 |
| ChildrenChildren: ages 0–18. | Included | Telemedicine / Digital | CHF 66.40 | CHF 4.75 | CHF 61.65 |
| ChildrenChildren: ages 0–18. | Excluded | Family doctor | CHF 62.10 | CHF 4.75 | CHF 57.35 |
Example deductibles: CHF 2,500 for adults and young adults, CHF 600 for children. Displayed amounts are monthly. A CHF 4.75 deduction is included in the net values shown, based on the existing calculator data.
Calculate your personal premium
Enter your postcode and personal details to compare the premiums that apply to your situation.
What affects health insurance premiums in Luzern?
Deductible and age
For canton Luzern, the overview compares example profiles for adults, young adults and children using different deductibles and accident cover. Your personal premium can differ from these examples.
Insurance model and accident cover
Depending on the insurer, basic insurance may be offered as Standard (BASE), Family Doctor (PRAXIS), Flex (FLEX), Telemedicine / Digital (TEL_DIG) or Pharmacy (PHARM). The model can affect your monthly premium. Accident coverage depends on your employment situation.
Questions about premiums in canton Luzern
Why do premiums vary within canton Luzern?
Within canton Luzern, the relevant premium region can vary by municipality. Insurers also differentiate by age, deductible, model and accident coverage. Therefore, a canton-wide example price is not a binding quote.
How can I find my personal premium?
Choose your municipality in canton Luzern from the list above and use the calculator with your age, deductible, model and accident cover.
Which insurance models can I compare in canton Luzern?
Depending on the insurer and availability, models may include Standard (BASE), Family Doctor (PRAXIS), Flex (FLEX), Telemedicine / Digital (TEL_DIG) and Pharmacy (PHARM). Not every insurer offers every model.
What do the example premiums for canton Luzern represent?
The amounts in the table are the lowest matching values found in the available canton data for the stated age, deductible and accident-cover profiles. They are not personal offers. Check the municipality-level comparison for your own situation.