Health insurance as a student — Region 1 of canton Lucerne
For this household of 1 in Region 1 of canton Lucerne, the lowest bill is CHF 208.10 a month. Here is the breakdown.
The household total
CHF 208.10 a month, or CHF 2'497.20 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 268.04 a month. The gap is CHF 719.28 a year — that is what comparing is worth.
With a single insurer
Nothing requires a household to pick the same insurer for everyone, but many prefer it. The cheapest that covers every member is CSS, at CHF 208.10 a month.
The breakdown, person by person
One person aged 19 to 25, CHF 2,500 deductible, accident cover included.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Young adult | CHF 2'500 | CHF 208.10 | CSS |
Three things to check
From 19 to 25, LAMal applies the young-adult rate, clearly below the adult one. With no employer, accident cover stays in the health insurance — a student job over eight hours a week changes that and allows suspension. A CHF 2,500 deductible is coherent as long as costs stay occasional: the deductible calculator gives the threshold beyond which it stops paying off.
- Apply for the cantonal premium subsidy: many cantons have a specific scale for students, and it does not arrive on its own.
- If you work more than eight hours a week for the same employer, have accident cover suspended: around 7 % off the premium.
- Studying abroad does not exempt you while you remain domiciled in Switzerland — an exemption exists, but it must be requested.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.